Credit & Financial Reputation Reform

PROPOSED / DRAFT — CREDIT & FINANCIAL REPUTATION REFORM

A credit score should measure legitimate financial credit risk—not a person’s worth, character, beliefs, lifestyle, political views, or standing in society.

The Moderate Party of America opposes any government or private system resembling a social-credit system in which unrelated personal behavior is combined into a score that determines whether someone may participate fully in ordinary society.

Credit reporting should be transparent, accurate, relevant to legitimate financial decisions, and easily correctable when errors occur. Consumers should receive meaningful notice of adverse information, access to the information used, a fair dispute process, timely correction of verified errors, and accountability when inaccurate reporting causes harm.

Your creditworthiness is not your worth as a person.

Related policies: Consumer Rights; Privacy Rights; No Mandatory Universal Social ID.

Status: Proposed / Draft — not yet formally adopted.

Originally published: August 24, 2026.

Last updated: August 24, 2026.

Version: Draft 0.1.