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

Total contributions given to Senators from interest groups that…

supported this bill

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
Other real estate services$267,838
Health & welfare policy (split)
Minority/Ethnic Groups (split)
$28,678,938

opposed this bill

Consumer groups$750
Health & welfare policy (split)
Minority/Ethnic Groups (split)
$750

Interest groups that supported this bill gave >1,000 times as much as interest groups that opposed this bill

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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