ESCRA Act

H.R. 306 in the 119th Congress (2025–2026) was introduced on Jan 9, 2025, sponsored by Sarah McBride with 7 co-sponsors.

During the 119th Congress (2025–2026), Joe Biden was president, and Republicans held majorities in both the House and Senate.

Status: Introduced
Introduced: Jan 9, 2025
Co-sponsors: 7
Policy area: Finance and Financial Sector

What it does

Ending Scam Credit Repair Act or the ESCRA Act This bill revises the Credit Repair Organizations Act and creates additional requirements for credit repair organizations (CROs). Under current law, it is illegal for a person (including a CRO) to make false or misleading statements regarding a consumer’s creditworthiness or standing to a consumer reporting agency or to a consumer credit provider.

Summary by the nonpartisan Congressional Research Service.

Sponsor

Sarah McBride (D-DE). Co-sponsors: 3 Democrats, 4 Republicans.

Where it stands

IntroducedJan 9, 2025
Passed the House—
Passed the Senate—
Sent to the President—
Became law—

Latest action: Referred to the House Committee on Financial Services. (Jan 9, 2025)

More bills from Sarah McBride in the 119th Congress

Other Finance and Financial Sector bills in the 119th Congress

Committees

Financial Services Committee

From GovInfo bill records, Congressional Research Service summaries, Voteview roll calls and lobbying reports.

Cite or embed this page

Capitol Receipts, “H.R. 306 (119th Congress): ESCRA Act,” https://www.capitolreceipts.com/bill/119-hr-306/escra-act (accessed 2026-10-13).