I rise today to offer a joint resolution of disapproval that would restore critical privacy protections for consumers that the Trump administration did away with. The Fair Credit Reporting Act is one of our foremost laws aimed at protecting the privacy of the American people. The law requires that a consumer report, like a credit report or a background check, can only be provided if the report's requestor, like a creditor, landlord, or employer, certifies that it has a permissible purpose to obtain a report on a specific person. Despite these requirements, far too many Americans have been subjected to serious, outrageous breaches of privacy when companies sharing the report for one person include information pertaining to someone else. In 2022, the Consumer Financial Protection Bureau--our Nation's consumer watchdog--took action to protect Americans' privacy and crack down by issuing new guidance on the rules that surround crucial credit report privacy. The advisory opinion did something that ought to be common sense: It made it clear that your sensitive financial information couldn't be shared with landlords, loan sharks, or used car salesmen just because you had a similar name to somebody else. Once your credit info is in the wrong hands, scammers, criminals, and shady data brokers can easily use your personal information, and then they go rip you off. This was a huge win for consumer privacy, and Donald Trump gutted it.
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Addressing the need to restore privacy protections for consumers in a joint resolution of disapproval.
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