S. 2355 - Credit Access and Inclusion Act of 2015

Finance and financial sector. 114th Congress (2015-2016) View bill details
Sponsor:
Summary:
A bill to amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes. (by CRS) 
Status:
The bill has been referred to committee. 
There have been no votes on this bill.

Credit Access and Inclusion Act of 2015

S. 2355 — 114th Congress (2015–2016)

Summary
A bill to amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes. (by CRS)
Learn More
At OpenCongress
Title
A bill to amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes.
Other Titles
  • Credit Access and Inclusion Act of 2015
  • Credit Access and Inclusion Act of 2015
Sponsor
Mark Kirk
Co-Sponsors
Subjects
  • Finance and financial sector
  • Consumer credit
  • Debt collection
  • Low- and moderate-income housing
  • Public utilities and utility rates
Related Bills
Major Actions
Introduced12/03/2015
Referred to Committee
Bill History

There have been no votes on this bill.

ActionDateDescription
Introduced12/03/2015
12/03/2015Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
12/03/2015Introduced in Senate
NumberSponsorDate OfferedStatus
scale for bar graph of contributions

Contributions

  1. November - December 2010 For $113,635 Against $0
  2. January - February 2011 For $339,620 Against $0
  3. March - April 2011 For $1,078,380 Against $0
  4. May - June 2011 For $916,504 Against $250
  5. July - August 2011 For $436,201 Against $0
  6. September - October 2011 For $760,675 Against $500
  7. November - December 2011 For $655,544 Against $0
  8. January - February 2012 For $473,523 Against $0
  9. March - April 2012 For $826,092 Against $0
  10. May - June 2012 For $890,282 Against $0
  11. July - August 2012 For $647,889 Against $0
  12. September - October 2012 For $1,217,696 Against $0
  13. November - December 2012 For $161,034 Against $0
  14. January - February 2013 For $308,361 Against $0
  15. March - April 2013 For $794,304 Against $0
  16. May - June 2013 For $965,931 Against $0
  17. July - August 2013 For $584,035 Against $0
  18. September - October 2013 For $831,180 Against $0
  19. November - December 2013 For $934,254 Against $0
  20. January - February 2014 For $490,539 Against $0
  21. March - April 2014 For $1,130,585 Against $0
  22. May - June 2014 For $1,212,426 Against $0
  23. July - August 2014 For $921,813 Against $0
  24. September - October 2014 For $1,631,056 Against $0
  25. November - December 2014 For $394,543 Against $0
  26. January - February 2015 For $498,508 Against $0
  27. March - April 2015 For $1,414,813 Against $0
  28. May - June 2015 For $1,009,120 Against $0
  29. July - August 2015 For $606,679 Against $0
  30. September - October 2015 For $927,335 Against $0
  31. November - December 2015 For $753,236 Against $0
  32. January - February 2016 For $602,186 Against $0
  33. March - April 2016 For $992,901 Against $0
  34. May - June 2016 For $1,174,478 Against $0
  35. July - August 2016 For $925,364 Against $0
  36. September - October 2016 For $983,076 Against $0
  37. November - December 2016 For $75,140 Against $0

Votes

    14 Organizations Supported and 10 Opposed; See Which Ones

    Organizations that took a position on
    Credit Access and Inclusion Act of 2015

    14 organizations supported this bill

    America's Homeowner Alliance
    Undersigned organizations (2016, July 11). Coalition Support Letter to Full Senate S.2355. Retrieved July 27, 2016, from Inman.
    American Escrow Association
    Undersigned organizations (2016, July 11). Coalition Support Letter to Full Senate S.2355. Retrieved July 27, 2016, from Inman.
    Asian Real Estate Association of America
    Undersigned organizations (2016, July 11). Coalition Support Letter to Full Senate S.2355. Retrieved July 27, 2016, from Inman.
    Habitat for Humanity
    Undersigned organizations (2016, July 11). Coalition Support Letter to Full Senate S.2355. Retrieved July 27, 2016, from Inman.
    Leading Builders of America
    Undersigned organizations (2016, July 11). Coalition Support Letter to Full Senate S.2355. Retrieved July 27, 2016, from Inman.
    Mortgage Bankers Association
    Undersigned organizations (2016, July 11). Coalition Support Letter to Full Senate S.2355. Retrieved July 27, 2016, from Inman.
    National Association of Hispanic Real Estate Professionals
    Undersigned organizations (2016, July 11). Coalition Support Letter to Full Senate S.2355. Retrieved July 27, 2016, from Inman.
    National Association of Home Builders
    Undersigned organizations (2016, July 11). Coalition Support Letter to Full Senate S.2355. Retrieved July 27, 2016, from Inman.
    National Association of Real Estate Brokers
    Undersigned organizations (2016, July 11). Coalition Support Letter to Full Senate S.2355. Retrieved July 27, 2016, from Inman.
    National Association of Realtors
    Salomone, Tom (2016, June 2). NAR Supports S. 2355. Retrieved July 21, 2016, from National Association of Realtors.
    National Urban League
    Undersigned organizations (2016, July 11). Coalition Support Letter to Full Senate S.2355. Retrieved July 27, 2016, from Inman.
    Real Estate Services Providers Council
    Undersigned organizations (2016, July 11). Coalition Support Letter to Full Senate S.2355. Retrieved July 27, 2016, from Inman.
    Real Estate Valuation Advocacy Association
    Undersigned organizations (2016, July 11). Coalition Support Letter to Full Senate S.2355. Retrieved July 27, 2016, from Inman.
    The Realty Alliance
    Undersigned organizations (2016, July 11). Coalition Support Letter to Full Senate S.2355. Retrieved July 27, 2016, from Inman.

    10 organizations opposed this bill

    center for digital democracy
    Undersigned organizations (2016, July 15). Re: S. 2355, Credit Access and Inclusion Act (oppose). Retrieved July 21, 2016, from National Association of State Utility Consumer Advocates.
    Center for Economic Justice
    Undersigned organizations (2016, July 15). Re: S. 2355, Credit Access and Inclusion Act (oppose). Retrieved July 21, 2016, from National Association of State Utility Consumer Advocates.
    Consumer Action
    Undersigned organizations (2016, July 15). Re: S. 2355, Credit Access and Inclusion Act (oppose). Retrieved July 21, 2016, from National Association of State Utility Consumer Advocates.
    Consumers Union
    Undersigned organizations (2016, July 15). Re: S. 2355, Credit Access and Inclusion Act (oppose). Retrieved July 21, 2016, from National Association of State Utility Consumer Advocates.
    empire justice center
    Undersigned organizations (2016, July 15). Re: S. 2355, Credit Access and Inclusion Act (oppose). Retrieved July 21, 2016, from National Association of State Utility Consumer Advocates.
    Greenlining Institute
    Undersigned organizations (2016, July 15). Re: S. 2355, Credit Access and Inclusion Act (oppose). Retrieved July 21, 2016, from National Association of State Utility Consumer Advocates.
    National Association of State Utility Consumer Advocates
    Undersigned organizations (2016, July 15). Re: S. 2355, Credit Access and Inclusion Act (oppose). Retrieved July 21, 2016, from National Association of State Utility Consumer Advocates.
    The Utility Reform Network
    Undersigned organizations (2016, July 15). Re: S. 2355, Credit Access and Inclusion Act (oppose). Retrieved July 21, 2016, from National Association of State Utility Consumer Advocates.
    U.S. PIRG
    Undersigned organizations (2016, July 15). Re: S. 2355, Credit Access and Inclusion Act (oppose). Retrieved July 21, 2016, from National Association of State Utility Consumer Advocates.
    Woodstock Institute
    Undersigned organizations (2016, July 15). Re: S. 2355, Credit Access and Inclusion Act (oppose). Retrieved July 21, 2016, from National Association of State Utility Consumer Advocates.

    Need proof?

    View citations of support and opposition

    Includes reported contributions to congressional campaigns of Senators in office during the 114th U.S. Congress, from interest groups invested in the vote according to MapLight, November 29, 2010 – November 28, 2016.
    Contributions data source: OpenSecrets.org

    Contributions by Legislator

    Namesort iconPartyState$ From Interest Groups
    That Supported
    $ From Interest Groups
    That Opposed
    Andrew Lamar AlexanderRTN$164,100$0
    Kelly AyotteRNH$547,844$0
    Tammy BaldwinDWI$119,028$0
    John BarrassoRWY$83,533$0
    Michael F. BennetDCO$606,114$0
    Richard BlumenthalDCT$262,709$0
    Roy BluntRMO$509,842$0
    Cory A. BookerDNJ$848,955$0
    John BoozmanRAR$119,641$0
    Barbara BoxerDCA$9,360$0
    Sherrod BrownDOH$421,093$0
    Richard BurrRNC$353,275$0
    Maria CantwellDWA$178,135$0
    Shelley Moore CapitoRWV$230,570$0
    Ben CardinDMD$232,543$0
    Tom CarperDDE$70,770$0
    Bob CaseyDPA$318,180$500
    Bill CassidyRLA$317,225$0
    Daniel CoatsRIN$35,500$0
    William Thad CochranRMS$122,914$0
    Susan M. CollinsRME$140,575$0
    Christopher A. CoonsDDE$98,200$0
    Bob CorkerRTN$542,021$0
    John CornynRTX$423,124$0
    Tom CottonRAR$382,575$0
    Mike CrapoRID$204,350$0
    Ted CruzRTX$681,600$0
    Steve DainesRMT$292,679$0
    Joe DonnellyDIN$124,021$0
    Dick DurbinDIL$182,267$0
    Mike EnziRWY$62,950$0
    Joni ErnstRIA$90,372$0
    Dianne FeinsteinDCA$159,871$0
    Deb FischerRNE$112,523$0
    Jeff FlakeRAZ$290,455$0
    Al FrankenDMN$226,175$0
    Cory GardnerRCO$471,403$0
    Kirsten E. GillibrandDNY$624,657$0
    Lindsey GrahamRSC$383,766$0
    Chuck GrassleyRIA$184,566$0
    Orrin G. HatchRUT$298,616$0
    Martin HeinrichDNM$75,476$0
    Heidi HeitkampDND$72,769$0
    Dean HellerRNV$263,222$0
    Mazie K. HironoDHI$95,848$0
    John HoevenRND$94,513$0
    Jim InhofeROK$81,460$0
    Johnny IsaksonRGA$686,571$0
    Ron JohnsonRWI$478,020$0
    Tim KaineDVA$565,491$0
    Angus S. King, Jr.IME$61,416$0
    Mark KirkRIL$366,900$0
    Amy KlobucharDMN$135,566$0
    James LankfordROK$208,203$0
    Patrick J. LeahyDVT$53,785$0
    Mike LeeRUT$245,200$0
    Joe Manchin, IIIDWV$126,500$0
    Ed MarkeyDMA$466,509$0
    John McCainRAZ$429,720$0
    Claire McCaskillDMO$291,422$0
    Addison "Mitch" McConnellRKY$786,475$0
    Bob MenéndezDNJ$659,556$0
    Jeff MerkleyDOR$111,079$0
    Barbara A. MikulskiDMD$10,600$0
    Jerry MoranRKS$147,968$0
    Lisa MurkowskiRAK$176,800$0
    Chris MurphyDCT$272,125$0
    Patty MurrayDWA$191,948$0
    Clarence "Bill" NelsonDFL$329,018$0
    Rand PaulRKY$233,140$0
    David PerdueRGA$355,070$0
    Gary C. PetersDMI$352,445$0
    Rob PortmanROH$834,458$0
    John "Jack" ReedDRI$120,918$0
    Harry ReidDNV$65,246$0
    Jim RischRID$44,500$0
    Charles "Pat" RobertsRKS$159,100$0
    Mike RoundsRSD$139,950$0
    Marco RubioRFL$631,087$0
    Bernie SandersIVT$35,920$0
    Ben SasseRNE$143,238$0
    Brian SchatzDHI$369,438$0
    Chuck SchumerDNY$1,258,425$0
    Tim ScottRSC$485,740$0
    Jeff SessionsRAL$38,100$0
    Jeanne ShaheenDNH$199,118$0
    Richard C. ShelbyRAL$161,050$0
    Debbie StabenowDMI$205,889$250
    Dan SullivanRAK$269,870$0
    Jon TesterDMT$254,653$0
    John ThuneRSD$225,478$0
    Thom TillisRNC$488,161$0
    Patrick J. ToomeyRPA$813,924$0
    Tom UdallDNM$120,833$0
    David VitterRLA$66,200$0
    Mark R. WarnerDVA$625,270$0
    Elizabeth WarrenDMA$375,446$0
    Sheldon WhitehouseDRI$137,287$0
    Roger F. WickerRMS$80,533$0
    Ron WydenDOR$376,194$0

    Add Data Filters:

    Legislator Filters
    Legislator Filters
    NamePartyState$ From Interest Groups
    That Supported
    $ From Interest Groups
    That Opposed
    Andrew Lamar AlexanderRTN$164,100$0
    Kelly AyotteRNH$547,844$0
    Tammy BaldwinDWI$119,028$0
    John BarrassoRWY$83,533$0
    Michael F. BennetDCO$606,114$0
    Richard BlumenthalDCT$262,709$0
    Roy BluntRMO$509,842$0
    Cory A. BookerDNJ$848,955$0
    John BoozmanRAR$119,641$0
    Barbara BoxerDCA$9,360$0
    Sherrod BrownDOH$421,093$0
    Richard BurrRNC$353,275$0
    Maria CantwellDWA$178,135$0
    Shelley Moore CapitoRWV$230,570$0
    Ben CardinDMD$232,543$0
    Tom CarperDDE$70,770$0
    Bob CaseyDPA$318,180$500
    Bill CassidyRLA$317,225$0
    Daniel CoatsRIN$35,500$0
    William Thad CochranRMS$122,914$0
    Susan M. CollinsRME$140,575$0
    Christopher A. CoonsDDE$98,200$0
    Bob CorkerRTN$542,021$0
    John CornynRTX$423,124$0
    Tom CottonRAR$382,575$0
    Mike CrapoRID$204,350$0
    Ted CruzRTX$681,600$0
    Steve DainesRMT$292,679$0
    Joe DonnellyDIN$124,021$0
    Dick DurbinDIL$182,267$0
    Mike EnziRWY$62,950$0
    Joni ErnstRIA$90,372$0
    Dianne FeinsteinDCA$159,871$0
    Deb FischerRNE$112,523$0
    Jeff FlakeRAZ$290,455$0
    Al FrankenDMN$226,175$0
    Cory GardnerRCO$471,403$0
    Kirsten E. GillibrandDNY$624,657$0
    Lindsey GrahamRSC$383,766$0
    Chuck GrassleyRIA$184,566$0
    Orrin G. HatchRUT$298,616$0
    Martin HeinrichDNM$75,476$0
    Heidi HeitkampDND$72,769$0
    Dean HellerRNV$263,222$0
    Mazie K. HironoDHI$95,848$0
    John HoevenRND$94,513$0
    Jim InhofeROK$81,460$0
    Johnny IsaksonRGA$686,571$0
    Ron JohnsonRWI$478,020$0
    Tim KaineDVA$565,491$0
    Angus S. King, Jr.IME$61,416$0
    Mark KirkRIL$366,900$0
    Amy KlobucharDMN$135,566$0
    James LankfordROK$208,203$0
    Patrick J. LeahyDVT$53,785$0
    Mike LeeRUT$245,200$0
    Joe Manchin, IIIDWV$126,500$0
    Ed MarkeyDMA$466,509$0
    John McCainRAZ$429,720$0
    Claire McCaskillDMO$291,422$0
    Addison "Mitch" McConnellRKY$786,475$0
    Bob MenéndezDNJ$659,556$0
    Jeff MerkleyDOR$111,079$0
    Barbara A. MikulskiDMD$10,600$0
    Jerry MoranRKS$147,968$0
    Lisa MurkowskiRAK$176,800$0
    Chris MurphyDCT$272,125$0
    Patty MurrayDWA$191,948$0
    Clarence "Bill" NelsonDFL$329,018$0
    Rand PaulRKY$233,140$0
    David PerdueRGA$355,070$0
    Gary C. PetersDMI$352,445$0
    Rob PortmanROH$834,458$0
    John "Jack" ReedDRI$120,918$0
    Harry ReidDNV$65,246$0
    Jim RischRID$44,500$0
    Charles "Pat" RobertsRKS$159,100$0
    Mike RoundsRSD$139,950$0
    Marco RubioRFL$631,087$0
    Bernie SandersIVT$35,920$0
    Ben SasseRNE$143,238$0
    Brian SchatzDHI$369,438$0
    Chuck SchumerDNY$1,258,425$0
    Tim ScottRSC$485,740$0
    Jeff SessionsRAL$38,100$0
    Jeanne ShaheenDNH$199,118$0
    Richard C. ShelbyRAL$161,050$0
    Debbie StabenowDMI$205,889$250
    Dan SullivanRAK$269,870$0
    Jon TesterDMT$254,653$0
    John ThuneRSD$225,478$0
    Thom TillisRNC$488,161$0
    Patrick J. ToomeyRPA$813,924$0
    Tom UdallDNM$120,833$0
    David VitterRLA$66,200$0
    Mark R. WarnerDVA$625,270$0
    Elizabeth WarrenDMA$375,446$0
    Sheldon WhitehouseDRI$137,287$0
    Roger F. WickerRMS$80,533$0
    Ron WydenDOR$376,194$0

    Interest Groups that supported this bill

    $ Donated
    Real estate$14,644,633
    Real estate agents$5,692,892
    Finance, Insurance & Real Estate$3,868,455
    Residential construction$2,287,322
    Mortgage bankers and brokers$1,917,798
    Minority/Ethnic Groups$612,336
    Health & welfare policy$547,752
    Other real estate services$267,838

    Interest Groups that opposed this bill

    $ Donated
    Minority/Ethnic Groups$612,336
    Health & welfare policy$547,752
    Consumer groups$750
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