I 118th CONGRESS 1st Session H. R. 4743 IN THE HOUSE OF REPRESENTATIVES July 19, 2023 Mr. Mfume (for himself, Mr. Gottheimer , Mr. Fitzpatrick , Mr. Trone , Ms. Salazar , Mr. Kim of New Jersey , Mr. Buchanan , and Ms. Porter ) introduced the following bill; which was referred to the Committee on Financial Services A BILL To require creditors to establish a phone line to assist obligors who are 50 years of age and older to resolve billing errors, and for other purposes.

1. Short title This Act may be cited as the Reporting Instances of Non-authorized Grift Act of 2023 or the RING Act of 2023 . 2. Billing error assistance Section 161 of the Truth in Lending Act ( 15 U.S.C. 1666 ) is amended by adding at the end the following: (f) Billing error assistance (1) In general Not later than 1 year after the date of the enactment of this subsection, each creditor shall— (A) establish and publish the phone number for a toll-free domestic phone line operated by persons located in the United States that is dedicated to directly assisting obligors age 50 and older to navigate the process described in this section for resolving billing errors, including the mitigation of fraudulent activity; and (B) provide a clear, understandable, and prominent notice to such obligors of the availability of such phone line through, email, websites, and mailings. (2) Phone line requirements In operating the phone line described under paragraph (1)(A), each creditor shall provide a caller with an option, at the beginning of a call, to receive the assistance described under paragraph (1)(A)— (A) from a live English-speaking individual and not through an automated system; and (B) from a live Spanish-speaking individual and not through an automated system. (3) Personally identifiable information Each creditor shall ensure that the operator of any phone line established pursuant to paragraph (1) does not require any obligor to disclose personally identifiable information, including a social security number, to verify the age of such obligor. .