I 
119TH CONGRESS 
1ST SESSION 
H. R. 166 
To establish an Office of Fair Lending Testing to test for compliance with 
the Equal Credit Opportunity Act, to strengthen the Equal Credit Oppor-
tunity Act, to ensure that persons injured by discriminatory practices, 
including organizations that have diverted resources to address discrimi-
nation and whose mission has been frustrated by illegal acts, can seek 
relief under such Act and to provide for criminal penalties for violating 
such Act, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JANUARY 3, 2025 
Mr. GREEN of Texas introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To establish an Office of Fair Lending Testing to test for 
compliance with the Equal Credit Opportunity Act, to 
strengthen the Equal Credit Opportunity Act, to ensure 
that persons injured by discriminatory practices, includ-
ing organizations that have diverted resources to address 
discrimination and whose mission has been frustrated 
by illegal acts, can seek relief under such Act and to 
provide for criminal penalties for violating such Act, and 
for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
VerDate Sep 11 2014 
00:32 Jan 30, 2025
Jkt 059200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6201
E:\BILLS\H166.IH
H166
kjohnson on DSK7ZCZBW3PROD with $$_JOB
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Fair Lending for All 
Act’’. 
SEC. 2. OFFICE OF FAIR LENDING TESTING. 
(a) ESTABLISHMENT.—There is established within 
the Bureau of Consumer Financial Protection an Office 
of Fair Lending Testing (hereinafter referred to as the 
‘‘Office’’). 
(b) DIRECTOR.—The head of the Office shall be a 
Director, who shall— 
(1) be appointed to a 5-year term by, and re-
port to, the Director of the Bureau of Consumer Fi-
nancial Protection; 
(2) appoint and fix the compensation of such 
employees as are necessary to carry out the duties 
of the Office under this section; and 
(3) provide an estimated annual budget to the 
Director of the Bureau of Consumer Financial Pro-
tection. 
(c) CIVIL SERVICE POSITION.—The position of the 
Director shall be a career position within the civil service. 
(d) TESTING.— 
(1) IN GENERAL.—The Office, in consultation 
with the Attorney General and the Secretary of 
Housing and Urban Development, shall conduct 
testing of compliance with the Equal Credit Oppor-
VerDate Sep 11 2014 
00:32 Jan 30, 2025
Jkt 059200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6201
E:\BILLS\H166.IH
H166
kjohnson on DSK7ZCZBW3PROD with $$_JOB
tunity Act by creditors, through the use of individ-
uals who, without any bona fide intent to receive a 
loan, pose as prospective borrowers for the purpose 
of gathering information. 
(2) REFERRAL OF VIOLATIONS.—If, in carrying 
out the testing described under paragraph (1), the 
Office believes a person has violated the Equal Cred-
it Opportunity Act, the Office shall refer such viola-
tion in writing to the Attorney General for appro-
priate action. 
(e) REPORT
TO CONGRESS.—Section 707 of the 
Equal Credit Opportunity Act (15 U.S.C. 1691f) is 
amended by adding at the end the following: ‘‘In addition, 
each report of the Bureau shall include an analysis of the 
testing carried out pursuant to section 2 of the Fair Lend-
ing for All Act, and each report of the Bureau and the 
Attorney General shall include a summary of criminal en-
forcement actions taken under section 706A.’’. 
SEC. 3. PROHIBITION ON CREDIT DISCRIMINATION. 
(a) IN GENERAL.—Subsection (a) of section 701 of 
the Equal Credit Opportunity Act (15 U.S.C. 1691) is 
amended to read as follows: 
‘‘(a) It shall be unlawful to discriminate against any 
person, with respect to any aspect of a credit trans-
action— 
VerDate Sep 11 2014 
00:32 Jan 30, 2025
Jkt 059200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6201
E:\BILLS\H166.IH
H166
kjohnson on DSK7ZCZBW3PROD with $$_JOB