Improving Credit Reporting for All Consumers Act

Cost and committee reports

Official records Congress.gov attaches to H.R. 3642.

• CBO cost estimateThe Congressional Budget Office published “H.R. 3642, Improving Credit Reporting for All Consumers Act” on December 20, 2019. CBO’s description reads “As ordered reported by the House Committee on Financial Services on July 11, 2019”.
  Read the CBO estimate ↗Source: Congressional Budget Office, December 20, 2019 ↗

  Evidence

  Field in the Congress.gov record

  cboCostEstimates

  CBO publication

  https://www.cbo.gov/publication/55977

  CBO publication date

  December 20, 2019

  Congress.gov bill record

  H.R. 3642, 116th Congress

  Congress.gov API record

  https://api.congress.gov/v3/bill/116/hr/3642

  Record last updated by Congress.gov

  April 7, 2025

  PORKER copy retrieved

  September 20, 2026

  Stored copy, SHA-256 of the file

  708c46741339981caed71a5764c2745ca360ef9e9f4995123511ce74d6c4ae64

• 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 reportCongress.gov lists 1 committee report for this bill: H. Rept. 116-363 ↗. The Congress.gov committee record lists a “Reported By” entry for the Financial Services Committee on December 23, 2019.
  Source: Congress.gov, reported December 23, 2019 ↗

  Evidence

  Field in the Congress.gov record

  committeeReports

  Report API records

  https://api.congress.gov/v3/committee-report/116/HRPT/363

  Congress.gov bill record

  H.R. 3642, 116th Congress

  Congress.gov API record

  https://api.congress.gov/v3/bill/116/hr/3642

  Record last updated by Congress.gov

  April 7, 2025

  PORKER copy retrieved

  September 20, 2026

  Stored copy, SHA-256 of the file

  708c46741339981caed71a5764c2745ca360ef9e9f4995123511ce74d6c4ae64

  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.

• Constitutional authority statementThe sponsor’s statement of where the Constitution gives Congress the power to pass this bill. Statement by Ms. ADAMS, as printed in the Congressional Record (Vol. 165, No. 114, July 9, 2019, Page H5304):
  Article I, Section 8
  Source: Congress.gov, Congressional Record July 9, 2019 ↗

  Evidence

  Field in the Congress.gov record

  constitutionalAuthorityStatementText

  Statement length

  20 characters

  Congress.gov bill record

  H.R. 3642, 116th Congress

  Congress.gov API record

  https://api.congress.gov/v3/bill/116/hr/3642

  Record last updated by Congress.gov

  April 7, 2025

  PORKER copy retrieved

  September 20, 2026

  Stored copy, SHA-256 of the file

  708c46741339981caed71a5764c2745ca360ef9e9f4995123511ce74d6c4ae64

  PORKER shows the statement exactly as printed, with the page markup removed. It is the sponsor’s claim; it is not a legal finding.

From the Congress.gov bill record for H.R. 3642, last updated April 7, 2025. PORKER’s copy was retrieved September 20, 2026 and is refreshed nightly. Open “Evidence” on any line for the record, field and file fingerprint.