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Banking, Housing, and Urban Affairs Committee
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S. 1465In committee
Credit Access and Inclusion Act of 2025
Introduced: Apr 10, 2025
Latest action date: Apr 10, 2025
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Current stage
In committee
The most advanced recorded stage is committee consideration.
Introduced
Apr 10, 2025
Latest action
Apr 10, 2025
Recorded roll calls
0
Civixly topics
What this legislation is about
Civixly topics make federal and state legislation comparable. They are derived from the official CRS policy area and legislative subjects.
Official CRS policy area
Finance and Financial Sector
View 6 official legislative subjects
Congressional oversightConsumer creditCredit and credit marketsDebt collectionGovernment information and archivesGovernment studies and investigations
Bill 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 pursuant to 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.
Specified provisions that establish civil liability with respect to furnishers of information to consumer reporting agencies shall not apply to any violation of the bill.
The Government Accountability Office must report on the consumer impact of such reporting.
Committee activity
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Official committee record ↗
Amendments
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No amendments are listed for this measure.
Checked against Congress.gov Sep 12, 2026.
Action timeline
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View full action timeline2 actions
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
IntroReferralSenateIntroduced in Senate
IntroReferralLibrary of Congress
Roll-call votes
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