HR 9991
ESCRA Act
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Sign in to take action- Introduced
- Passed House
- Passed Senate
- To President
- Became Law
Bill overview
The Ending Scam Credit Repair Act (ESCR Act) aims to strengthen protections for consumers against deceptive practices in the credit repair industry. It clarifies the definition of a credit repair organization, prohibits misleading statements, and restricts upfront payments. The bill also introduces requirements for disclosures, contract terms, and dispute procedures, including enhanced communication standards with credit reporting agencies and furnishers of information. Finally, it addresses the role of attorneys within credit repair organizations and establishes state licensing requirements.
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Primary sponsor
Wiley Nickel
Cosponsor
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