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house Bill H.R. 2091

Should Child Support Enforcement Agencies Be Able to Request Credit Reports on Consumers?

Argument in favor

Child support enforcement agencies should be able to access credit reports on those who need to provide child support payments to parents and children who require them to support themselves.

Alis's Opinion
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10/22/2015
Those who fail to comply with child support should be subject to as much financial scrutiny as necessary to force compliance!
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Patty's Opinion
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06/28/2016
If a non-custodial parent runs from their responsibility, it is much too easy to cross state lines and avoid their responsibility. The burden of everything is left on the custodial parent. In these extreme circumstances, CSE agencies should do whatever it takes, cross over state lines, etc, to enforce what is already a court order.
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6od's Opinion
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08/16/2016
There's no reason not to want this bill to pass (unless of course you're the non-custodial parent of a child owe child support - then yeah, I guess with this you may have to!). As someone (or the daughter of - I don't know who it would go to at this point) who's owed over $200k in back pay, yeah I support this. This infringes on nobody.
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Argument opposed

There’s no need for this change in law, as child support enforcement agencies and credit agencies can already pull reports for these purposes. The requirement to notify the subject of the credit report request should stay in place.

John's Opinion
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10/06/2015
The laws on the books already provide for agency access to the credit report, so the only purpose of this law is to avoid notifying the target of the investigation into their Credit? Absolutely not!! The potential for abuse without notification is too great!
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CTConservative's Opinion
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08/16/2016
Credit information has no direct correlation to parenting skills and decision making. There are plenty of great parents out there with bad credit. There are also plenty of bad parents with good credit. Oh, and did I mention there are indeed bad parents with bad credit, and good parents with good credit. All this information would do is give the system additional ways to punish "lower class" parents that are trying hard for their kids.
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Frank's Opinion
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08/16/2016
This should only pass if people receiving child support provide receipts showing that the money is being spent on food, lodging, goods and services for the child
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What is House Bill H.R. 2091?

This bill would expand the permissible use of consumer credit reports to allow reporting agencies to furnish a report to state or local child support enforcement agencies that request them. Current law allows enforcement agencies to request, and reporting agencies to provide notice to the person whose credit is being investigated.


Child support enforcement agencies would only be able to use this authority if they certify that they are enforcing a child support order, award, agreement, or judgment.


It would also repeal the requirement for 10 days prior notice to a consumer who report is requested, which is what state agencies are required to do under current law.

Impact

People who owe, receive or rely upon child support payments; state child support enforcement agencies, and consumer credit reporting agencies.

Cost of House Bill H.R. 2091

$0.00
The CBO estimates that this bill would increase direct spending for agencies requesting reports, but that those increases would be insignificant.

More Information

In-Depth: Sponsoring Rep. Bruce Poliquin believes that there should be bipartisan support around ensuring those who are owed child support receive the financial help they deserve:

“Being a parent is one of the greatest and most important responsibilities as an adult. It’s imperative for Congress, Republicans and Democrats, to work together and ensure that our kids have all the possible opportunities to succeed and have a bright future. The Child Support Assistance Act will help our state and local authorities in assisting families to collect child support payments from delinquent parents.”

The House Financial Services Committee passed this bill by a margin of 58-2, was introduced on a bipartisan basis by Rep. Poliquin and Rep. Keith Ellison (D-MN), and has four other cosponsors equally divided between Democrats and Republicans.


Media:

Summary by Eric Revell
(Photo Credit: Flickr user Cia de Foto)

AKA

Child Support Assistance Act of 2015

Official Title

To amend the Fair Credit Reporting Act to clarify the ability to request consumer reports in certain cases to establish and enforce child support payments and awards.

bill Progress


  • Not enacted
    The President has not signed this bill
  • The senate has not voted
      senate Committees
      Committee on Banking, Housing, and Urban Affairs
  • The house Passed October 6th, 2015
    Passed by Voice Vote
      house Committees
      Committee on Financial Services
      Consumer Protection and Financial Institutions
    IntroducedApril 29th, 2015

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    Those who fail to comply with child support should be subject to as much financial scrutiny as necessary to force compliance!
    Like (7)
    Follow
    Share
    The laws on the books already provide for agency access to the credit report, so the only purpose of this law is to avoid notifying the target of the investigation into their Credit? Absolutely not!! The potential for abuse without notification is too great!
    Like (21)
    Follow
    Share
    This should only pass if people receiving child support provide receipts showing that the money is being spent on food, lodging, goods and services for the child
    Like (11)
    Follow
    Share
    Credit information has no direct correlation to parenting skills and decision making. There are plenty of great parents out there with bad credit. There are also plenty of bad parents with good credit. Oh, and did I mention there are indeed bad parents with bad credit, and good parents with good credit. All this information would do is give the system additional ways to punish "lower class" parents that are trying hard for their kids.
    Like (11)
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    Since when would Child Support have anything to do with Your Credit
    Like (6)
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    The client should be notified, but the action is not optional, the client does not have the right to refuse.
    Like (5)
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    This is just another law trying to enforce something that's already being done. Also, a person's credit report is no indication of a person's ability to pay child support.
    Like (5)
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    There's no reason not to want this bill to pass (unless of course you're the non-custodial parent of a child owe child support - then yeah, I guess with this you may have to!). As someone (or the daughter of - I don't know who it would go to at this point) who's owed over $200k in back pay, yeah I support this. This infringes on nobody.
    Like (4)
    Follow
    Share
    If a non-custodial parent runs from their responsibility, it is much too easy to cross state lines and avoid their responsibility. The burden of everything is left on the custodial parent. In these extreme circumstances, CSE agencies should do whatever it takes, cross over state lines, etc, to enforce what is already a court order.
    Like (4)
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    Yep, the dads need to be responsible and help support their children! No more deadbeat dads! But removing the requirement to give notice to a person before requesting a credit report? NOT COOL! More power for government equals LESS POWER FOR CITIZENS!
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    Seems like a redundant law. Maybe instead of relying on an uneven child support system we should have a better welfare system for people raising children.
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    For Pete's sake! We already have laws regarding this. Get a court order and you can look at anything!
    Like (2)
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    Anything that helps get dead beats
    Like (1)
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    Anyone receiving government support should be subject to credit review. If a parent gives a credit card to a child for college expenses, they certainly should check up on the child's spending practices.
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    My wife adopted our granddaughter and she is now more than 13 years old. I bet we have received less than $5000 since her second birthday from her father. We have given up hope of ever getting any money from Mr. Deadbeat daddy. Anything that would help those who takes sole responsibility for a child from the other or both irresponsibility parents should be considered. It takes money to raise a child.
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    No! Credit reports are being used in the decision making process on job applications, to determine auto insurance premiums, and God knows what else! One serious medical incident can ruin a person financially, then they are punished for it due to credit scores. Isn't Obamacare wonderful!
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    Why should they. They alwats talking about doing what right for the child. If you punished the non-custodian pareent. That will prevent them from providing for the child. Cause a lot of employers check credit reports now before they hired a employees. Now it another form of discrimination not too hired someone. It already enough discrimination
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    We need to put a cork in the credit report issue. Unless you are lending me money, you don't need one. Agencies can go through legal channels if they want a report pulled.
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    Yes and they should get a thorough background examination
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    My question is simply, why? Why is this necessary? Short answer, it's not. Now, what could be required is that if a person is behind on their child support payments, that delinquency should be reported on an individual's credit report, in particular any UIFSA case, meaning inter-state.
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