ESCRA Act

[AI summary unavailable — showing source text] [Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [S. 4144 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4144 To amend the Credit Repair Organizations Act to add additional protections against harmful practices within the credit repair organization industry, and for other purposes. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 19, 2026 Mr. Coons (for himself and Ms. Murkowski) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs _______________________________________________________________________ A BILL To amend the Credit Repair Organizations Act to add additional protections against harmful practices within the credit repair organization industry, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Ending Scam Credit Repair Act'' or the ``ESCRA Act''. SEC. 2. CREDIT REPAIR ORGANIZATION DEFINITION. Section 403(3) of the Credit Repair Organizations Act (15 …