PlainBillCongress, translated.Legislation. Context. Public interest.Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral.
Congressional Research Service
Version 00 · Introduced in House · Dec 3, 2015
Credit Access and Inclusion Act of 2015
This bill amends the Fair Credit Reporting Act to authorize a person or the Department of Housing and Urban Development (HUD) to furnish to a consumer reporting agency information relating to the performance of a consumer in making payments: (1) under a lease agreement for a dwelling, including a lease in which HUD provides subsidized payments; or (2) pursuant to a contract for a utility or telecommunications service.
Information about a consumer's usage of any utility or telecommunications services may be furnished to a consumer reporting agency only to the extent that such information relates to payment by the consumer for such services or other terms of the provision of such services, including any deposit, discount, or conditions for interruption or termination of service.
Showing the opening paragraphs of the official summary.
An energy utility firm may not report payment information to a consumer reporting agency with respect to an outstanding balance of a consumer as late if the firm and the consumer have entered into a payment plan and the consumer is meeting the obligations of such plan.
The bill amends the Consumer Credit Protection Act to make provisions regarding civil liability to consumers of persons for willful or negligent noncompliance with requirements imposed by such Act on credit reporting agencies inapplicable to any violation of this Act.
People & committees
Rep. Ellison, Keith [D-MN-5] · D–MN
Legislative record
A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.
Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral.
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Primary sources
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Source last updated: Dec 6, 2025. Consult Congress.gov for the current record.
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