To require the Bureau of Consumer Financial Protection and the Federal Trade Commission to conduct a study on use of additional key factors in credit scoring models, and for other purposes.

Cost and committee reports

Official records Congress.gov attaches to H.R. 5083.

• Constitutional authority statementThe sponsor’s statement of where the Constitution gives Congress the power to pass this bill. Statement by Mr. FIELDS, as printed in the Congressional Record (Vol. 171, No. 143, September 2, 2025, Page H3757):
  Article 1
  Source: Congress.gov, Congressional Record September 2, 2025 ↗

  Evidence

  Field in the Congress.gov record

  constitutionalAuthorityStatementText

  Statement length

  9 characters

  Congress.gov bill record

  H.R. 5083, 119th Congress

  Congress.gov API record

  https://api.congress.gov/v3/bill/119/hr/5083

  Record last updated by Congress.gov

  September 22, 2025

  PORKER copy retrieved

  September 13, 2026

  Stored copy, SHA-256 of the file

  4708c4e7d50be6dfb52bd823ebf61b9ace5329c434dcf2099b9c232df3e0b6b8

  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 September 22, 2025). Not every bill gets one.

From the Congress.gov bill record for H.R. 5083, last updated September 22, 2025. PORKER’s copy was retrieved September 13, 2026 and is refreshed nightly. Open “Evidence” on any line for the record, field and file fingerprint.