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HR 5402 · 119th Congress — Credit Access and Inclusion Act of 2026

Credit Access and Inclusion Act of 2025 This bill allows for the reporting of certain positive consumer-credit information (such as the on-time payment of rent or utilities) to consumer reporting agencies. Specifically, a person or the…

Congress
119
Bill
HR 5402
Status
In Progress
Introduced
2025-09-16
Latest action date
2026-09-01

Summary

Credit Access and Inclusion Act of 2025 This bill allows for the reporting of certain positive consumer-credit information (such as the on-time payment of rent or utilities) to consumer reporting agencies. Specifically, a person or the Department of Housing and Urban Development may report information related to a consumer's performance in making payments either under a lease agreement for a dwelling or under a contract for a utility or telecommunications service. However, information about a consumer's usage of any utility or telecommunications service may be reported only to the extent that the information relates to payment by the consumer for such service or other terms of the provision of that service. Furthermore, an energy utility firm may not report a consumer's outstanding balance as late if the firm and the consumer have entered into a payment plan and the consumer is meeting the obligations of that plan. Right now, the latest action is: Placed on the Union Calendar, Calendar No. 688. The listed sponsor is Rep. Kim, Young [R-CA-40] [R].

This summary may describe an earlier version. Check the official record for current wording.

Latest action

Placed on the Union Calendar, Calendar No. 688.

Sponsors

Sources