Credit Access and Inclusion Act of 2025
Latest action (Apr 10, 2025) — Read twice and on Banking, Housing, and Urban Affairs.
What it does
Congressional Research Service, Apr 10, 2025This 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.
Face Value
as introducedHow much of this bill its name accounts for.
- Every bill starts at100
- Nothing counted against it: one area of law, and short enough that length doesn't register.
Face Value measures reach, not honesty. A big bill can be accurately named, and a low score is not an accusation — it means the contents reach further than any short title could describe. Count it yourself ↗ How this is worked out
Who lobbied on this
1 organizationThese organizations told Congress, in their own quarterly disclosures, that they were lobbying on this bill.
- National Association of Realtorsno position stated
“Access to Banking for Cannabis Businesses SAFE/SAFER Banking Act Banking Regulations S.1467/H.R.2808 - Homebuyers Privacy Protection Act H.R. 5404/S. 1465 Credit Access and Inclusion Act Discussions with the House of Representatives and Senate regarding artificial intelligence and data privacy.…” filing ↗
Most filings say only that an organization lobbied on a bill, not which side it took — where that's the case we say so rather than guessing. Quotes are verbatim from the filing. How this is built.
Discussion
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