The resolution from the 136th General Assembly of Ohio, introduced by Senator Ingram, calls on the United States Congress to review and evaluate the practices of credit reporting agencies and the implications of credit scores and ratings on economic inequality. It highlights findings from the National Consumer Law Center, which indicate that credit scoring reflects and perpetuates racial and economic disparities in the country. The resolution emphasizes that credit history serves as a barrier to access essential services such as employment, housing, and insurance, disproportionately affecting people of color and underserved communities.

Furthermore, the resolution asserts that the current credit-scoring system requires significant reforms to align with principles of fairness and justice, as mandated by laws like the Fair Housing Act and the Equal Credit Opportunity Act. It urges Congress to investigate the effects of credit-scoring mechanisms on marginalized groups and to address the systemic inequities that arise from these practices. The resolution concludes by directing the Clerk of the Senate to send copies of the resolution to key government officials and media outlets to raise awareness of this issue.