Consumer credit: credit reports and reporting agencies; collection and reporting of medical debt information; regulate. Creates new act.

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PASSAGE PROBABILITY

24.1% Unlikely

Why this number

Stage base Passed First Chamber — base rate 33%, measured from MI's completed sessions
Momentum +5 72/100 from the pace of recorded action
Time since last action -14 107 days quiet

A transparent scoring model over stage, momentum, recency, sponsorship and recorded votes — not a trained predictor. Treat it as a way to rank attention, not as a forecast.