Credit Access and Inclusion Act of 2026
Latest action · Sep 1, 2026 Placed on the Union Calendar, Calendar No. 688.
Progress
Where this bill reached, and when. A stage with no date was not reached; one that failed a vote and later carried shows the date it carried.
- IntroducedSep 16, 2025
- Passed HouseNot reached
- Passed SenateNot reached
- To the PresidentNot reached
- Became lawNot reached
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.
Cosponsors 2
Members who signed on, in the order they did. Signatures ran from Sep 16, 2025 to Oct 3, 2025; 1 is an original cosponsor, there from the day it was introduced.
| Seat | Cosponsor | Signed on | |
|---|---|---|---|
| D-OR | Janelle S. Bynum | Original | Sep 16, 2025 |
| D-VA | Eugene Simon Vindman | Oct 3, 2025 |
Committees 1
Where it was sent and what each committee and subcommittee did with it, in order.
| Chamber | Committee | What it did |
|---|---|---|
| House | Financial Services Committee | Referred Sep 16, 2025Markup Jun 30, 2026Reported Sep 1, 2026 |
Actions 6
Everything that happened, newest first.
- Sep 1, 2026Reported (Amended) by the Committee on Financial Services. H. Rept. 119-788.
- Sep 1, 2026Placed on the Union Calendar, Calendar No. 688.
- Jun 30, 2026Committee Consideration and Mark-up Session Held
- Jun 30, 2026Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 23.
- Sep 16, 2025Introduced in House
Research
What has been written about this bill: committee reports, cost estimates, the sponsor’s authority statement, printed hearings and the Congressional Research Service’s work.
Committee report
Constitutional authority
The sponsor’s statement, as printed in the Congressional Record, vol. 171, no. 151, September 16, 2025, page H4364.
Related bills 5
Companion bills and other measures the record links to this one.
| Bill | Title | Relationship | Latest action |
|---|---|---|---|
| S 1465 | Credit Access and Inclusion Act of 2025 | Related bill | Apr 10, 2025 |
| S 1654 | Credit Access and Inclusion Act of 2023 | Cross-Congress related bill | May 17, 2023 |
| S 2417 | Credit Access and Inclusion Act of 2021 | Cross-Congress related bill | Jul 21, 2021 |
| HR 3418 | Credit Access and Inclusion Act of 2023 | Cross-Congress related bill | May 17, 2023 |
| HR 8985 | Credit Access and Inclusion Act of 2022 | Cross-Congress related bill | Sep 26, 2022 |
Titles 3
Every title it has carried, official and short, at each stage.
- Official Title as Introduced
- To amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain full-file consumer credit information to consumer reporting agencies, and for other purposes.
- Short Title(s) as Introduced
- Credit Access and Inclusion Act of 2025
- Short Title(s) as Reported to House
- Credit Access and Inclusion Act of 2026
Subjects
Assigned by the Library of Congress. Policy area: Finance and Financial Sector.
Text 2
Each version as it was printed, newest first.
- Sep 1, 2026Reported in House
- Sep 16, 2025Introduced in House
Everything here is as published by Congress: the summary is the Congressional Research Service's, the action wording is the clerks', and the subjects are the Library of Congress's. How far it got is read from the actions themselves, taking the most recent one of each kind, so a bill that failed a vote and later passed is shown as having passed. Records come from this bill on Congress.gov and govinfo.gov; cost estimates are the Congressional Budget Office's, and the hearings are the printed hearings GovInfo publishes, which can appear months after the hearing.
