Accurate Credit Reporting for Homebuyers Act

Cost and committee reports

Official records Congress.gov attaches to H.R. 7857.

• Constitutional authority statementThe sponsor’s statement of where the Constitution gives Congress the power to pass this bill. Statement by Mr. FITZGERALD, as printed in the Congressional Record (Vol. 170, No. 56, April 2, 2024, Page H2135):
  Article I, Section 8 of the United States Constitution The single subject of this legislation is: This bill would codify the long-standing requirement that Fannie Mae and Freddie Mac (the Enterprises) obtain a credit report and each credit score on a borrower from each of the three national credit bureaus when they purchase a residential mortgage loan (the tri-merge requirement).
  Source: Congress.gov, Congressional Record April 2, 2024 ↗

  Evidence

  Field in the Congress.gov record

  constitutionalAuthorityStatementText

  Statement length

  382 characters

  Congress.gov bill record

  H.R. 7857, 118th Congress

  Congress.gov API record

  https://api.congress.gov/v3/bill/118/hr/7857

  Record last updated by Congress.gov

  October 18, 2024

  PORKER copy retrieved

  September 14, 2026

  Stored copy, SHA-256 of the file

  a6b7daa376781102dcf9720ae813ec685936b599b6b2a0b17004688d818106e9

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

Congress.gov’s record for this bill does not list a CBO cost estimate or a committee report (as of October 18, 2024). Not every bill gets one.

From the Congress.gov bill record for H.R. 7857, last updated October 18, 2024. PORKER’s copy was retrieved September 14, 2026 and is refreshed nightly. Open “Evidence” on any line for the record, field and file fingerprint.