Title: Fair Lending Discovery Clarification Act of 2017
Policy area: Civil Rights and Liberties, Minority Issues

Summary:
Fair Lending Discovery Clarification Act of 2017
This bill amends the statute of limitations for civil liability under the Equal Credit Opportunity Act and the Fair Housing Act to: (1) extend the period for an aggrieved person to bring an equal credit action to five years after the applicant knows or has notice that the applicant was a victim of discrimination (currently, five years after the violation); and (2) specify that the two-year period for an aggrieved person to bring a fair housing action excludes any time during which the aggrieved person did not know or have notice of the existence of the discriminatory housing practice or the breach of the conciliation agreement.

[Congressional Bills 115th Congress]
[From the U.S. Government Publishing Office]
[H.R. 1522 Introduced in House (IH)]

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115th CONGRESS
  1st Session
                                H. R. 1522

 To amend the Equal Credit Opportunity Act and the Fair Housing Act to 
  amend the statute of limitations for civil liability, and for other 
                               purposes.


_______________________________________________________________________


                    IN THE HOUSE OF REPRESENTATIVES

                             March 13, 2017

  Mr. Meeks introduced the following bill; which was referred to the 
    Committee on the Judiciary, and in addition to the Committee on 
 Financial Services, for a period to be subsequently determined by the 
  Speaker, in each case for consideration of such provisions as fall 
           within the jurisdiction of the committee concerned

_______________________________________________________________________

                                 A BILL


 
 To amend the Equal Credit Opportunity Act and the Fair Housing Act to 
  amend the statute of limitations for civil liability, and for other 
                               purposes.

    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Fair Lending Discovery Clarification 
Act of 2017''.

SEC. 2. AMENDMENT TO THE STATUTE OF LIMITATIONS UNDER THE EQUAL CREDIT 
              OPPORTUNITY ACT.

    Section 706(f) of the Equal Credit Opportunity Act (15 U.S.C. 
1691e(f)) is amended--
            (1) by redesignating paragraphs (1) and (2) as 
        subparagraphs (A) and (B), respectively (and conforming the 
        margins accordingly);
            (2) by striking ``Any action'' and inserting the following:
            ``(1) In general.--Any action'';
            (3) by striking ``No such'' and inserting ``Except as 
        provided in paragraph (2), no such'';
            (4) by striking ``later than 5 years after the date of the 
        occurrence of the violation'' and inserting ``later than 5 
        years after the date on which the applicant knows or has notice 
        that the applicant was a victim of discrimination.'';
            (5) by striking ``, except that--'' and inserting the 
        following:
            ``(2) Exception.--The limitation described in paragraph (1) 
        shall not apply--''; and
            (6) in subparagraph (A) (as so redesignated), by inserting 
        ``or'' at the end.

SEC. 3. AMENDMENT TO STATUTE OF LIMITATIONS UNDER THE FAIR HOUSING ACT.

    Section 813(a)(1) of the Fair Housing Act (42 U.S.C. 3613(a)(1)) is 
amended by adding at the end the following:
    ``(C) The computation of such 2-year period shall not include any 
time during which the aggrieved person did not know or have notice of 
the existence of the discriminatory housing practice or the breach of 
the conciliation agreement.''.
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