OH SCR15

Urges U.S. Congress to review and evaluate credit reporting agencies and examine how credit scores create economic inequities, particularly for communities of color and underserved consumers

Cites National Consumer Law Center findings that credit scoring reflects and perpetuates the racial economic divide and wealth gap

Notes credit history serves as a gatekeeper for affordable credit, employment, housing (rental and homeownership), and insurance

References the Fair Housing Act and Equal Credit Opportunity Act as establishing legal obligations to address discriminatory effects of credit-scoring systems

Directs the Clerk of the Senate to transmit copies to the President, congressional leadership, Ohio's congressional delegation, the Governor, and Ohio news media