What is the current status of SJRES 127?

SJRES 127 is currently: In Senate.

Who sponsored SJRES 127?

SJRES 127 was sponsored by Andy Kim (D), Sen.

Restores Guidance on Full Credit File Disclosure

IntroducedMarch 17, 2026

In Senate5 months ago

Intro

Senate

House

Pres

The House voted against taking this up.

It stays where it is unless leadership tries again.

Finance and Financial SectorAdministrative law and regulatory proceduresCongressional oversightConsumer Financial Protection BureauConsumer credit

Why This Matters

This resolution cancels the Consumer Financial Protection Bureau's 2025 decision to scrap its guidance on consumer file requests, putting that guidance back in place. The guidance explains the agency's reading of existing credit reporting law; it is not a new law.

If you ask a background check or credit company for your file, it would be expected to show every item it has on you and name who supplied each one.

Who this affects

People checking their credit files · Job and apartment applicants · Background check companies · Credit reporting agencies

What does this resolution do?

1Cancels the Consumer Financial Protection Bureau's May 12, 2025 withdrawal of its January 2024 guidance on what credit and background check companies must show consumers.
2Brings back the agency's view that, when you request your file, a reporting company must give you all the information it holds, not just a summary.
3Restores the expectation that companies name both the original source of each item and any middleman vendor that supplied it.
4Blocks the agency from withdrawing this same guidance again in substantially the same form unless Congress later authorizes it.

Read full document

Last changed today · checked hourly

Restores Guidance on Full Credit File Disclosure

IntroducedMarch 17, 2026

In Senate5 months ago

Intro

Senate

House

Pres

The House voted against taking this up.

It stays where it is unless leadership tries again.

Finance and Financial SectorAdministrative law and regulatory proceduresCongressional oversightConsumer Financial Protection BureauConsumer credit

Why This Matters

If you ask a background check or credit company for your file, it would be expected to show every item it has on you and name who supplied each one.

Who this affects

People checking their credit files · Job and apartment applicants · Background check companies · Credit reporting agencies

What does this resolution do?

1Cancels the Consumer Financial Protection Bureau's May 12, 2025 withdrawal of its January 2024 guidance on what credit and background check companies must show consumers.
2Brings back the agency's view that, when you request your file, a reporting company must give you all the information it holds, not just a summary.
3Restores the expectation that companies name both the original source of each item and any middleman vendor that supplied it.
4Blocks the agency from withdrawing this same guidance again in substantially the same form unless Congress later authorizes it.

Read full document

Last changed today · checked hourly