Fair Credit Reporting Reseller Accuracy Act

What This Bill Does

Fair Credit Reporting Reseller Accuracy Act

This bill requires a consumer credit data reseller (a consumer reporting agency that does not maintain a credit database of its own, but assembles and merges a consumer's credit information from other agencies that it provides to a third party) to follow reasonable procedures to ensure the maximum possible accuracy of the credit information it provides.

A reseller may not be held liable under the Fair Credit Reporting Act for the information it provides if the reseller accurately communicates the information obtained from another consumer reporting agency.

Summary as of 03/27/2026, via Congress.gov / Congressional Research Service.

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