I 118th CONGRESS 1st Session H. R. 6870 IN THE HOUSE OF REPRESENTATIVES December 19, 2023 Mr. Ogles (for himself, Mr. Tiffany , Mr. Clyde , Mr. Good of Virginia , Mr. Dunn of Florida , Mr. Self , Mr. Norman , Ms. Boebert , Mr. Williams of Texas , Mr. Nehls , Mr. Weber of Texas , Mr. McCormick , and Mr. Mooney ) introduced the following bill; which was referred to the Committee on Financial Services A BILL To amend the Equal Credit Opportunity Act to clarify creditor’s rights and remedies with respect to the consideration of immigration status with respect to the extension of credit, and for other purposes.

1. Consideration of immigration status with respect to the extension of credit Section 701(b) of the Equal Credit Opportunity Act ( 15 U.S.C. 1691(b) ) is amended— (1) in paragraph (4), by striking or at the end; (2) in paragraph (5), by striking the period at the end and inserting ; or ; and (3) by adding at the end the following new paragraph: (6) to make an inquiry or to consider the status in the United States under the immigration laws (as such term is defined in section 101 of the Immigration and Nationality Act ( 8 U.S.C. 1101 )) of an applicant if such inquiry is for the purpose of ascertaining the creditor's rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of creditworthiness. .