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End Tenant Credit Screening Act
To amend the Fair Credit Reporting Act to prohibit the use of consumer credit checks against prospective and current tenants for the purposes of making adverse rental housing decisions.
Summary
This bill amends the Fair Credit Reporting Act to prohibit housing providers from using consumer credit reports or credit checks when screening tenants or making rental housing decisions, including decisions about approving applications, setting security deposits or lease terms, or retaining tenants. The prohibition applies regardless of whether the consumer consents to the use of credit reports, with one exception: credit reports may be used if a housing provider is reconsidering a rental application that was previously denied. The bill defines tenant screening purposes as any use of a consumer report to evaluate an applicant or current tenant for residential rental housing. The prohibition applies to any person acting as a housing provider and covers both consumer reports and investigative consumer reports that contain information about creditworthiness, credit standing, or credit capacity.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
Money behind the sponsor
Top reported contributors to Maxwell Frost’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- VLP LAW $13,200
- SMARTHINKING $13,200
- BAD ROBOT PRODUCTIONS $13,200
- AMSCOT FINANCIAL, INC. $8,500
- ADVENT HEALTH $6,750
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Maxwell Frost → · Outside spending →
Actions (2)
- Jul 14, 2025 Referred to the House Committee on Financial Services. · house
- Jul 14, 2025 Introduced in House
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Text versions (1)
Bills are re-published as they move (Introduced → Reported → Engrossed → Enrolled …). Each stage below is a separate text; pick two to see what changed. Data from Congress.gov.
Full text
IN THE HOUSE OF REPRESENTATIVES
July 14, 2025
Mr. Frost introduced the following bill; which was referred to the Committee on Financial Services
A BILL
To amend the Fair Credit Reporting Act to prohibit the use of consumer credit checks against prospective and current tenants for the purposes of making adverse rental housing decisions.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “End Tenant Credit Screening Act”.
SEC. 2. USE OF CREDIT CHECKS PROHIBITED FOR TENANT SCREENING PURPOSES.
Section 604 of the Fair Credit Reporting Act (15 U.S.C. 1681b) is amended by inserting after subsection (g) the following:
“(h) Use of Certain Consumer Reports Prohibited for Tenant Screening Purposes.—
“(1) Definitions.—For purposes of this section:
“(A) The term ‘tenant screening purposes’ when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for rental housing, including whether to approve a consumer’s rental housing application, determining the consumer’s security deposit or other terms of the consumer’s lease, or retention a tenant.
“(B) The term ‘housing provider’ means any person that leases a unit of residential real estate to an individual.
“(2) General prohibition.—Except as provided in paragraph
(3), a person, including a prospective or current housing provider, may not use a consumer report or investigative consumer report, or cause a consumer report or investigative consumer report to be procured, with respect to any consumer for tenant screening purposes where any information contained in the report bears on the creditworthiness, credit standing or credit capacity of the consumer.
“(3) Consent irrelevant.—The prohibition described in paragraph (2) shall apply even if the consumer consents or otherwise authorizes the procurement or use of a consumer report for tenant screening purposes, except for a report provided or caused to be provided to the housing provider for reconsideration of denial.
“(4) Reconsideration of denial.—The term “reconsideration of denial” means any procedure or process by which a housing provider reconsiders, on an individualized basis, an application for rental housing that the housing provider has previously rejected after bona fide consideration.”. <all>
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