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SCR15 • 2026

Urge Congress to review and evaluate credit reporting agencies

Urge Congress to review and evaluate credit reporting agencies

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor
Catherine D. Ingram
Last action
Official status
As Introduced
Effective date
Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

Urge Congress to review and evaluate credit reporting agencies

To urge the United States Congress to review and evaluate credit reporting agencies and how credit scores and credit ratings create economic inequities.

What This Bill Does

  • To urge the United States Congress to review and evaluate credit reporting agencies and how credit scores and credit ratings create economic inequities.

Limits and Unknowns

  • This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

  1. Ohio Legislature

    As Introduced

Official Summary Text

To urge the United States Congress to review and evaluate credit reporting agencies and how credit scores and credit ratings create economic inequities.

Current Bill Text

Read the full stored bill text 
As Introduced

136th
General Assembly

Regular
Session
S. C. R. No. 15

2025-2026

Senator
Ingram

A
c o n c u r r e n t R E S O L U T I O N

To
urge the United States Congress to review and evaluate credit
reporting agencies and how credit scores and credit ratings create
economic inequities.

BE
IT RESOLVED BY THE SENATE OF THE STATE OF OHIO (THE HOUSE OF
REPRESENTATIVES CONCURRING):

WHEREAS,
The National Consumer Law Center has reported that credit scoring is
a reflection of the racial economic divide and wealth gap in this
country, and its use also perpetuates that same racial and economic
inequality; and

WHEREAS,
The use of credit reports and scores entrenches and reinforces
inequality by dictating a consumer's access to future opportunities;
and

WHEREAS,
Credit history is used as a gatekeeper for affordable credit and many
other important necessities, such as employment, housing (both rental
and homeownership), and insurance; and

WHEREAS,
Lisa Rice and Deidre Swesnik state in the law review article titled
"Discriminatory Effects of Credit Scoring on Communities of
Color" that while it is illegal to evaluate risk using protected
class characteristics, credit-scoring systems continue to have a
significant disparate impact on people of color and other underserved
consumers because some seemingly facially neutral factors actually
have discriminatory effects; and

WHEREAS,
Fixing our current credit-scoring system is not only a moral
imperative consistent with our national policies and beliefs about
fairness and justice, it is also a legal obligation as outlined by
the Fair Housing Act and the Equal Credit Opportunity Act; and

WHEREAS,
Credit scoring significantly affects a wide range of access issues,
credit-scoring mechanisms need major improvements if not a complete
overhaul; now therefore be it

RESOLVED,
That we, the members of the 136th General Assembly of the State of
Ohio, in adopting this resolution, urge Congress to examine the
impact of credit-scoring mechanisms, especially as they relate to
underserved groups, and to also analyze and correct the disparate
impact of credit-scoring systems; and be it further

RESOLVED,
That the Clerk of the Senate transmit duly authenticated copies of
this resolution to the President of the United States, the President
of the United States Senate, the Speaker of the United States House
of Representatives, the members of the Ohio congressional delegation,
the Governor of Ohio, and the news media of Ohio.