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![handle is hein.congrecreports/crptxacwo0001 and id is 1 raw text is:
116TH CONGRESS I
1st Session J HOUSE OF REPRESENTATIVES
REPORT
116-306
FREE CREDIT SCORES FOR CONSUMERS ACT OF 2019
NOVEMBER 21, 2019.-Committed to the Committee of the Whole House on the
State of the Union and ordered to be printed
Ms. WATERS,
from the Committee on Financial Services,
submitted the following
REPORT
together with
MINORITY VIEWS
[To accompany H.R. 3618]
[Including cost estimate of the Congressional Budget Office]
The Committee on Financial Services, to whom was referred the
bill (H.R. 3618) to establish requirements relating to credit scores
and educational credit scores, and for other purposes, having con-
sidered the same, report favorably thereon with an amendment and
recommend that the bill as amended do pass.
CONTENTS
Page
Purpose and Sum m ary ........................................................................................... 9
Background and Need for Legislation ................................................................... 9
Section-by-Section A nalysis .................................................................................... 11
H e arin g s ................................................................................................................... 1 3
C om m ittee C onsideration ........................................................................................ 13
C om m ittee V otes ...................................................................................................... 13
Statement of Oversight Findings and Recommendations of the Committee ...... 17
Statement of Performance Goals and Objectives .................................................. 17
New Budget Authority and CBO Cost Estimate ................................................... 17
Com m ittee Cost E stim ate ....................................................................................... 19
U nfunded M andate Statem ent ............................................................................... 19
A dvisory C om m ittee ................................................................................................ 19
Application of Law to the Legislative Branch .......................................................
E arm ark Statem ent ................................................................................................. 19
Duplication of Federal Program s ............................................................................ 19
Changes to E xisting L aw ........................................................................................ 20
99-006
AUTHENTICATEO
U.S. GOVERNMENT
INFORMATION
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