- Stage
- In committee
- Started in
- Senate
- Sponsors
- 3
- Latest action
- Mar 19, 2026
What it does
The Ending Scam Credit Repair Act (ESCRA) amends the Credit Repair Organizations Act to strengthen consumer protections by expanding the definition of credit repair organizations to include certain attorneys, prohibiting deceptive practices such as false statements to government agencies and advance payment without proof of results, banning "jamming" (repeated disputing of the same information), requiring clearer disclosures and consumer contracts, mandating state licensing for credit repair organizations starting January 1, 2026, and imposing civil liability of $500 per violation. The bill affects credit repair organizations, attorneys providing related services, and consumers seeking…
No official summary is available here. This one was written by AI from the bill’s text.
Where it stands
Introduced (Done)
Committee (Current step)
Floor (Not started)
Law (Not started)
What moved
Who is involved
Sponsors
The lawmakers who put their names on it, lead sponsors first.
Where it goes next
While a bill can still move, the questions are about people and money.