Ability to Repay Verification Enabling Act
The source supplies the latest action, but no lifecycle stage.
Latest action (10 Feb 2017): Referred to the Subcommittee on Human Resources.
What this bill does
H.R. 759, the "Ability to Repay Verification Enabling Act," was introduced in the House on January 31, 2017, by Rep. Keith Ellison, with Rep. Jim Renacci as a cosponsor, and was referred to the Committee on Ways and Means. The bill would bar the Secretary of Labor from enforcing a specific 2012 Department of Labor guidance document (Unemployment Insurance Program Letter No. 19-12) that requires certain consumer reporting agencies to obtain and keep an individual's informed consent before accessing that person's confidential unemployment compensation data from a state. The prohibition applies only to agencies that act purely as a "secure conduit" passing along state unemployment data—not agencies acting as an individual's own agent—and would also block Labor from issuing any similar rule or guidance in the future.
The bill would primarily affect consumer reporting agencies that verify income and employment for lenders, state unemployment compensation agencies, and individuals whose unemployment records are used in loan underwriting. Findings cited in the bill note that several states already allow such data-sharing arrangements and that separate Fair Credit Reporting Act consent requirements would remain in place for agencies directly using consumer report information.
The bill was introduced in the 115th Congress and referred to committee but did not receive a vote or further action, meaning it did not become law.
Plain-English summary generated by Bill100 AI from the official record. Always verify against the source below.
Official summary
Ability to Repay Verification Enabling Act
This bill prohibits the Department of Labor from enforcing any requirement that a third-party consumer-reporting agency that serves only as a secure conduit for data from a state unemployment compensation agency must obtain and maintain informed consent from an individual before obtaining confidential unemployment compensation information about the individual.
Timeline
10 Feb 2017
Referred to the Subcommittee on Human Resources.
Common questions
- What does H.R. 759 do?
- H.R. 759, the "Ability to Repay Verification Enabling Act," was introduced in the House on January 31, 2017, by Rep. Keith Ellison, with Rep. Jim Renacci as a cosponsor, and was referred to the Committee on Ways and Means. The bill would bar the Secretary of Labor from enforcing a specific 2012 Department of Labor guidance document (Unemployment Insurance Program Letter No. 19-12) that requires certain consumer reporting agencies to obtain and keep an individual's informed consent before accessing that person's confidential unemployment compensation data from a state. The prohibition applies only to agencies that act purely as a "secure conduit" passing along state unemployment data—not agencies acting as an individual's own agent—and would also block Labor from issuing any similar rule or guidance in the future. The bill would primarily affect consumer reporting agencies that verify income and employment for lenders, state unemployment compensation agencies, and individuals whose unemployment records are used in loan underwriting. Findings cited in the bill note that several states already allow such data-sharing arrangements and that separate Fair Credit Reporting Act consent requirements would remain in place for agencies directly using consumer report information. The bill was introduced in the 115th Congress and referred to committee but did not receive a vote or further action, meaning it did not become law.
- Has H.R. 759 become law?
- The source does not supply a confirmed lifecycle stage for H.R. 759. Check the latest action and official source below.
- Who sponsored H.R. 759?
- H.R. 759 was sponsored by Rep. Ellison, Keith [D-MN-5] (D-MN), with 1 cosponsor.
- What's the latest action on H.R. 759?
- Referred to the Subcommittee on Human Resources. (10 Feb 2017).
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