I 
117TH CONGRESS 
2D SESSION 
H. R. 8478 
To amend the Fair Credit Reporting Act to require nationwide consumer 
reporting agencies, upon request, to use a consumer’s current legal name 
on consumer reports, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JULY 21, 2022 
Ms. PRESSLEY introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To amend the Fair Credit Reporting Act to require nation-
wide consumer reporting agencies, upon request, to use 
a consumer’s current legal name on consumer reports, 
and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Credit Reporting Accu-
racy After a Legal Name Change Act of 2022’’. 
SEC. 2. FINDINGS. 
Congress finds the following: 
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(1) Consumer reports are significant to the 
ability for American consumers to access credit, 
housing, and employment. 
(2) Fragmented files created by the credit re-
porting industry lead to inaccuracies on the con-
sumer reports of transgender and gender noncon-
forming consumers after a legal name change. Inac-
curate consumer reports create additional burdens 
and barriers for these consumers and impair their 
ability to access credit, housing, and employment. 
(3) As of 2017, there were approximately 1.4 
million adults who identify as transgender, according 
to the Williams Institute report, ‘‘Age of Individuals 
Who Identify as Transgender in the United States’’, 
and as of 2021, approximately 1.2 million adults 
identify as nonbinary, according to the Williams In-
stitute report, ‘‘Nonbinary LGBTQ Adults in the 
United States’’. 
(4) As evidence that transgender and gender 
nonconforming adults are vulnerable to discrimina-
tion, harassment, and abuse based on their gender 
identity and expression, in its 2016 report ‘‘Injustice 
at 
Every 
Turn’’, 
the 
National 
Center 
for 
Transgender Equality found that transgender adults 
experienced unemployment at twice the rate of the 
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general population, and 90 percent reported experi-
encing harassment, discrimination, or mistreatment 
in the workplace. The report further found that one 
in five transgender adults reported having been re-
fused a home or apartment because of their gender 
identity. 
(5) Transgender and gender nonconforming 
consumers face a myriad of problems in terms of 
consumer reporting problems after they change their 
names, including that their credit report fragments 
into two or more unconnected files upon their name 
change and that their name change and any credit 
actions that follow are never reflected in their report 
at all. Many consumers report that credit reporting 
problems have a negative impact on their financial 
and personal lives, including credit score decreases 
of 100 points or more, which can be a barrier to ac-
cessing banking services, mortgages, auto financing, 
employment, and rental housing. 
(6) Transgender consumers face severe adverse 
effects from having their former name reflected on 
their credit report. The disclosure of a transgender 
person’s prior name in a consumer report to a cred-
itor, employer, or lessor can expose those consumers 
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to unlawful discrimination on the basis of that con-
sumer’s gender identity. 
SEC. 3. REQUIREMENT TO USE A CONSUMER’S CURRENT 
LEGAL NAME ON CONSUMER REPORTS. 
Section 605(a) of the Fair Credit Reporting Act (15 
U.S.C. 1681c(a)) is amended by adding at the end the 
following: 
‘‘(9) With respect to a consumer reporting 
agency described in section 603(p), any prior name 
of the consumer about whom the report relates, 
other than the consumer’s current legal name, after 
receiving a request from the consumer to use only 
the consumer’s current legal name on all consumer 
reports.’’. 
Æ 
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