New York Consumer Law Blog

Sunday, September 24, 2017

Despite Equifax hack, GOP lawmakers want to deregulate credit agencies

Clear partisan lines emerge in response to the Equifax breach. Last week, Democrats introduced the Freedom from Equifax Exploitation Act, barring credit bureaus the ability to charge a fee for freezing consumer credit. House Republicans, on the other hand, propose to undermine credit-industry regulations with new legislation. The Credit Services Protection Act, introduced by Ed Royce (R-Cal.), and the FCRA Liability Harmonization Act, spearheaded by Barry Loudermilk (R-Ga.), attack federal consumer protections from varied angles—limiting the reach of the FRCA and the CFPB.

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