To amend the Fair Credit Reporting Act to exclude information relating to certain evictions from consumer reports, and for other purposes.

HR 408 amends the Fair Credit Reporting Act to remove certain eviction records from consumer credit reports. It specifically excludes eviction information (including related debt collection) for actions occurring between March 13, 2020, and 30 days after the end of the federal COVID-19 emergency. This applies to tenants in residential properties whose landlords initiated evictions during that period, excluding mortgage foreclosures. The change affects credit reports issued after the bill's enactment date, preventing these pandemic-era evictions from negatively impacting credit scores.