H.R. 9639 aims to amend the Fair Credit Reporting Act to help victims of predatory lending and unfair consumer reporting practices restore their credit. Additionally, it seeks to provide more resources and tools to protect vulnerable consumers from identity theft and fraud.
Supporters of H.R. 9639 have praised the bill for its focus on consumer protection, particularly for those who have been victims of predatory practices. Advocates argue that restoring impaired credit for these individuals is crucial for their financial recovery and stability, and that the bill will empower consumers with better tools to safeguard against identity theft.
Critics of H.R. 9639 have raised concerns about the potential for increased regulatory burdens on credit reporting agencies and financial institutions. Some argue that the bill may lead to unintended consequences, such as higher costs for consumers or reduced access to credit for those deemed higher risk due to their previous financial hardships.
The analysis of H.R. 9639, which aims to amend the Fair Credit Reporting Act to assist victims of predatory activities and improve consumer protections, reveals no direct industry overlaps between the bill's subject matter and the sponsor Rashida Tlaib's top donor industries. The lobbying activity in this policy area includes contributions from various organizations, such as the American Concrete Institute ($80,000) and Anne Pramaggiore ($60,000), but these do not directly relate to consumer credit or protection issues. The absence of significant financial ties to industries that would benefit from the bill suggests a low risk of conflict of interest. Voters should note that while lobbying exists, it does not appear to influence the bill's intent or the sponsor's motivations significantly.
Organizations that lobbied on issues related to this bill's policy area.
| Client | Lobbying Firm | Amount |
|---|---|---|
| AMERICAN CONCRETE INSTITUTE | CROSSROADS STRATEGIES, LLC | $80,000 |
| ANNE PRAMAGGIORE | CROSSROADS STRATEGIES, LLC | $60,000 |
| SIGHTLINE INTELLIGENCE | C2 STRATEGIES | $50,000 |
| ACTUS ADVANCED SYSTEMS | C2 STRATEGIES | $40,000 |
| WASHOE COUNTY | PORTER GROUP, LLC | $30,000 |
| VETERANS ASSOCIATION OF REAL ESTATE PROFESSIONALS, INC. | C2 STRATEGIES | $30,000 |
| EO SOLUTIONS LLC | PORTER GROUP, LLC | $20,000 |
| WASHOE COUNTY REGIONAL TRANSPORTATION COMMISSION | PORTER GROUP, LLC | $20,000 |
| ULINE | BROYDRICK & ASSOCIATES | $20,000 |
| RTC SOUTHERN NEVADA | PORTER GROUP, LLC | $10,000 |
| WISH | BROYDRICK & ASSOCIATES | undisclosed |
| WISCONSIN STATE CRANBERRY GROWERS ASSOCIATION | BROYDRICK & ASSOCIATES | undisclosed |
| WISCONSIN CRANBERRY RESEARCH AND EDUCATION FOUNDATION | BROYDRICK & ASSOCIATES | undisclosed |
| WISCONSIN CRANBERRY RESEARCH AND EDUCATION FOUNDATION | BROYDRICK & ASSOCIATES | undisclosed |
| WD SCHORSCH LLC | BROYDRICK & ASSOCIATES | undisclosed |
Source: Senate Lobbying Disclosure Act (LDA) filings, 2026
Top industries funding Rashida Tlaib, ranked by total contributions.
Source: OpenSecrets.org (Center for Responsive Politics)
