Credit Access and Inclusion Act of 2025

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 and the effect of reporting consumer cash flow data to consumer credit agencies.

Summary from the Congressional Research Service. How we handle summaries

Where it stands

Out of committee and scheduled for a vote by the full chamber.

House Committee on Financial Services · U.S. House of Representatives

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Cosponsors

Related bills

• S. 1465Credit Access and Inclusion Act of 2025Related bill
• H.R. 3418, 118th CongressRelated bill in another Congress
• S. 1654, 118th CongressRelated bill in another Congress
• H.R. 8985, 117th CongressRelated bill in another Congress
• S. 2417, 117th CongressRelated bill in another Congress

As identified by Congress.gov.

Full history

1. Sep 1, 2026

   Placed on the Union Calendar, Calendar No. 688.

2. Sep 1, 2026

   Placed on the Union Calendar, Calendar No. 688.

3. Sep 1, 2026

   Reported out of committee

   Reported (Amended) by the Committee on Financial Services. H. Rept. 119-788.

4. Sep 1, 2026

   Reported out of committee

   Reported (Amended) by the Committee on Financial Services. H. Rept. 119-788.

5. Jun 30, 2026

   Committee vote

   Committee Consideration and Mark-up Session Held

Read the record

• Read on Congress.gov (opens in a new tab) The official record on Congress.gov.