S-CAP Act of 2025

Senate Bill

S. 1371

119th Congress

S-CAP Act of 2025

In Committee

Introduced:Sep 9, 2025

Primary Sponsor

John Boozman

Senator

Republican

AR

Cosponsors

2

Quick Stats

Policy Area

Commerce

Summary

The Small Business Credit Protection Act of 2023 requires credit reporting agencies to quickly notify small businesses if their private data is breached. It also prevents these agencies from charging small businesses for credit reports after a breach. The bill also directs the Government Accountability Office to study the financial harm caused to small businesses by data breaches at credit reporting agencies.

Latest Action

Read twice and referred to the Committee on Small Business and Entrepreneurship.

SponsorJohn Boozman (R-AR)

Introduced9/9/2025

StatusRead twice and referred to the Committee on Finance.

ChamberSenate

Data from Congress.gov

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Vote Prediction

S-CAP Act of 2025

The Small Business Credit Protection Act of 2023 requires credit reporting agencies to quickly notify small businesses if their private data is breached. It also prevents these agencies from charging small businesses for credit reports after a breach. The bill

Community Breakdown

Pass

0%

Fail

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0 predictions

The Small Business Credit Protection Act of 2023 requires credit reporting agencies to quickly notify small businesses if their private data is breached. It also prevents these agencies from charging small businesses for credit reports after a breach. The bill also directs the Government Accountability Office to study the financial harm caused to small businesses by data breaches at credit reporting agencies.

Bill Number: 1371
Sponsor: John Boozman (R-AR)
Introduced: 9/9/2025
Status: Read twice and referred to the Committee on Finance.
Policy Area: Commerce

Data from Congress.gov

AI-generated summary

Fact Sheet

Title: S-CAP Act of 2025
Bill Number: 1371
Sponsor: John Boozman (R-AR)
Status: Read twice and referred to the Committee on Finance.
Introduced: 9/9/2025
Summary: The Small Business Credit Protection Act of 2023 requires credit reporting agencies to quickly notify small businesses if their private data is breached. It also prevents these agencies from charging small businesses for credit reports after a breach. The bill also directs the Government Accountabil

Data from Congress.gov

AI Summary

Plain-English explanation of this bill

The Small Business Credit Protection Act of 2023 requires credit reporting agencies to quickly notify small businesses if their private data is breached. It also prevents these agencies from charging small businesses for credit reports after a breach. The bill also directs the Government Accountability Office to study the financial harm caused to small businesses by data breaches at credit reporting agencies.

Last updated: 12/29/2025

Official Summary

Congressional Research Service summary

Small Business Credit Protection Act of 2023 This bill establishes requirements related to breaches of data belonging to small businesses. Specifically, a consumer reporting agency must promptly report any breach of nonpublic small business data. In the event of a breach, a consumer reporting agency may not charge a small business for a credit report. Additionally, the Government Accountability Office must report on the economic harm to small businesses resulting from data breaches at consumer reporting agencies.

Key Points

Main provisions of the bill

Requires credit reporting agencies to promptly report breaches of small business data
Prevents credit reporting agencies from charging small businesses for credit reports after a breach
Directs the Government Accountability Office to study the economic impact of data breaches on small businesses

How This Impacts Americans

Potential effects on citizens and communities

This bill would directly benefit small businesses by providing them with faster notification of data breaches and preventing additional costs from credit reporting agencies in the aftermath. It could help small businesses better understand and recover from the financial harm caused by data breaches. The GAO report could also lead to new policies or regulations to further protect small businesses from the consequences of data security failures.

Policy Areas

Primary Policy Area

Commerce

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

1371, 119th Congress (2025). "S-CAP Act of 2025". Source: Voter's Right Platform. https://votersright.org/bills/118-s-1371

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