PlainBillCongress, translated.Legislation. Context. Public interest.Placed on the Union Calendar, Calendar No. 688.
Congressional Research Service
Version 00 · Introduced in House · Sep 16, 2025
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.
Showing the opening paragraphs of the official summary.
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.
People & committees
Rep. Kim, Young [R-CA-40] · R–CA
Legislative record
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Placed on the Union Calendar, Calendar No. 688.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-788.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-788.
Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 23.
Committee Consideration and Mark-up Session Held
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Primary sources
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Source last updated: Oct 31, 2026. Consult Congress.gov for the current record.
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