House bill · 108th Congress · Public Law 108-159

Fair and Accurate Credit Transactions Act of 2003

H.R. 2622Introduced Jun 26, 2003Policy area: Finance and Financial Sector

Became law on Dec 4, 2003.

Sponsor: Rep. Spencer Bachus R-AL

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Where it went

IntroducedJun 26, 2003
Committee actionJul 24, 2003
Passed HouseSep 10, 2003 · 392–30
Passed SenateNov 5, 2003 · 95–2
Resolving differencesNov 21, 2003
To the PresidentDec 3, 2003
Became lawDec 4, 2003

Latest action: Dec 4, 2003 — Became Public Law No: 108-159.

Cost and committee reports

Official records Congress.gov attaches to H.R. 2622.

CBO cost estimateThe Congressional Budget Office published “H.R. 2622, Fair and Accurate Credit Transactions Act of 2003” on September 3, 2003. CBO’s description reads “<p>Cost estimate for the bill as ordered reported by the House committee on Financial Services on July 24, 2003</p>”.
Read the CBO estimate ↗Source: Congressional Budget Office, September 3, 2003 ↗
Evidence
Field in the Congress.gov record
cboCostEstimates
CBO publication
https://www.cbo.gov/publication/14744
CBO publication date
September 3, 2003
Congress.gov bill record
H.R. 2622, 108th Congress
Congress.gov API record
https://api.congress.gov/v3/bill/108/hr/2622
Record last updated by Congress.gov
April 7, 2025
PORKER copy retrieved
September 28, 2026
Stored copy, SHA-256 of the file
467b66253cb40e0acd34ba8c7149d9c674fe8acf442b33e145ab6e52b932fbf5
CBO cost estimateThe Congressional Budget Office published “H.R. 2622, Fair and Accurate Credit Transactions Act of 2003” on September 3, 2003. CBO’s description reads “Cost estimate for the bill as ordered reported by the House committee on Financial Services on July 24, 2003”.
Read the CBO estimate ↗Source: Congressional Budget Office, September 3, 2003 ↗
Evidence
Field in the Congress.gov record
cboCostEstimates
CBO publication
https://www.cbo.gov/publication/14744
CBO publication date
September 3, 2003
Congress.gov bill record
H.R. 2622, 108th Congress
Congress.gov API record
https://api.congress.gov/v3/bill/108/hr/2622
Record last updated by Congress.gov
April 7, 2025
PORKER copy retrieved
September 28, 2026
Stored copy, SHA-256 of the file
467b66253cb40e0acd34ba8c7149d9c674fe8acf442b33e145ab6e52b932fbf5
CBO cost estimateThe Congressional Budget Office published “H.R. 2622, Fair and Accurate Credit Transactions Act of 2003” on September 9, 2003. CBO’s description reads “<p>Private-sector mandates statement for the bill as reported by the House Committee on Financial Services on September 4, 2003</p>”.
Read the CBO estimate ↗Source: Congressional Budget Office, September 9, 2003 ↗
Evidence
Field in the Congress.gov record
cboCostEstimates
CBO publication
https://www.cbo.gov/publication/14745
CBO publication date
September 9, 2003
Congress.gov bill record
H.R. 2622, 108th Congress
Congress.gov API record
https://api.congress.gov/v3/bill/108/hr/2622
Record last updated by Congress.gov
April 7, 2025
PORKER copy retrieved
September 28, 2026
Stored copy, SHA-256 of the file
467b66253cb40e0acd34ba8c7149d9c674fe8acf442b33e145ab6e52b932fbf5
CBO cost estimateThe Congressional Budget Office published “H.R. 2622, Fair and Accurate Credit Transactions Act of 2003” on September 9, 2003. CBO’s description reads “Private-sector mandates statement for the bill as reported by the House Committee on Financial Services on September 4, 2003”.
Read the CBO estimate ↗Source: Congressional Budget Office, September 9, 2003 ↗
Evidence
Field in the Congress.gov record
cboCostEstimates
CBO publication
https://www.cbo.gov/publication/14745
CBO publication date
September 9, 2003
Congress.gov bill record
H.R. 2622, 108th Congress
Congress.gov API record
https://api.congress.gov/v3/bill/108/hr/2622
Record last updated by Congress.gov
April 7, 2025
PORKER copy retrieved
September 28, 2026
Stored copy, SHA-256 of the file
467b66253cb40e0acd34ba8c7149d9c674fe8acf442b33e145ab6e52b932fbf5
PORKER links to the estimate and does not repeat its dollar figures. Each estimate is for the version of the bill its description names; the bill may have changed since.
Committee reportsCongress.gov lists 3 committee reports for this bill: H. Rept. 108-263 ↗; H. Rept. 108-263,Part 2 ↗; H. Rept. 108-396 ↗. The Congress.gov committee record lists a “Reported By” entry for the Financial Services Committee on September 9, 2003.
Source: Congress.gov, reported September 9, 2003 ↗
Evidence
Field in the Congress.gov record
committeeReports
Report API records
https://api.congress.gov/v3/committee-report/108/HRPT/263
https://api.congress.gov/v3/committee-report/108/HRPT/263
https://api.congress.gov/v3/committee-report/108/HRPT/396
Congress.gov bill record
H.R. 2622, 108th Congress
Congress.gov API record
https://api.congress.gov/v3/bill/108/hr/2622
Record last updated by Congress.gov
April 7, 2025
PORKER copy retrieved
September 28, 2026
Stored copy, SHA-256 of the file
467b66253cb40e0acd34ba8c7149d9c674fe8acf442b33e145ab6e52b932fbf5
A committee report is the committee’s own explanation of the bill. PORKER lists it and links to it; reading it is up to you.

Sent to: Financial Services Committee, Banking, Housing, and Urban Affairs CommitteeBills with a CBO estimate Bills with a committee report See it in the Data Web

From the Congress.gov bill record for H.R. 2622, last updated April 7, 2025. PORKER’s copy was retrieved September 28, 2026 and is refreshed nightly. Open “Evidence” on any line for the record, field and file fingerprint.

Vote results

No recorded roll-call votes on this bill in PORKER’s records (voice votes and unanimous consent are not roll calls; roll-call records start in 2011).

Cosponsors

58 cosponsors — 36 Republicans, 22 Democrats

22 of 58 cosponsors (38%) are from the other party.

Robert Aderholt (R-AL), Richard Baker (R-LA), J. Barrett (R-SC), Bob Beauprez (R-CO), Judy Biggert (R-IL), Roy Blunt (R-MO), Sherwood Boehlert (R-NY), Allen Boyd (D-FL), Dan Burton (R-IN), Eric Cantor (R-VA), Shelley Capito (R-WV), Michael Castle (R-DE), Joseph Crowley (D-NY), Artur Davis (D-AL), Jim Davis (D-FL), Nathan Deal (R-GA), Rahm Emanuel (D-IL), Tom Feeney (R-FL), Harold Ford (D-TN), Martin Frost (D-TX), Katherine Harris (R-FL), Melissa Hart (R-PA), Jeb Hensarling (R-TX), Ruben Hinojosa (D-TX), Darlene Hooley (D-OR), Steve Israel (D-NY), Walter Jones (R-NC), Paul Kanjorski (D-PA), Sue Kelly (R-NY), Mark Kennedy (R-MN) and 28 more.

More from the sponsor

Other 108th Congress bills sponsored by Rep. Spencer Bachus.

Sponsor’s state and district

Alabama in Congress · AL-6 district

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Data as of Sep 28, 2026 · bill record checked by PORKER from Congress.gov · votes from Senate.gov and the House Clerk. PORKER is non-partisan.