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Credit Access and Inclusion Act of 2025
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.
Summary
- Allows landlords, utility companies, and telecommunications companies to report consumer payment performance to credit reporting agencies for lease agreements, utility services, and telecommunications services.
- Permits the Department of Housing and Urban Development to furnish information about consumers' payments on subsidized housing leases to consumer reporting agencies.
- Restricts reporting to payment information and service terms only; prohibits reporting on consumers' usage of utility or telecommunications services.
- Protects consumers in payment plans with energy utilities by preventing late payment reporting if the consumer is meeting the obligations of the payment plan.
- Allows consumers to opt-out of having their utility, telecommunications, and lease payment information reported to consumer reporting agencies.
- Requires the Government Accountability Office to study and report within 2 years on the impact of this alternative payment reporting on consumer credit scores and financial access.
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)
- Rep. Kim, Young [R-CA-40] (R-CA)
2 cosponsors
Money behind the sponsor
Top reported contributors to Young Kim’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- NULL $166,350
- FOUNDERS FUND $14,307
- VETERANS GUARDIAN VA CLAIM CONSULTING $13,200
- EDWARD C. LEVY CO. $13,200
- APOLLO $11,100
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Young Kim → · Outside spending →
Actions (4)
- Jun 30, 2026 Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 23. · house
- Jun 30, 2026 Committee Consideration and Mark-up Session Held · house
- Sep 16, 2025 Referred to the House Committee on Financial Services. · house
- Sep 16, 2025 Introduced in House
More bills on these subjects (8)
Other bills that carry the most legislative subjects in common with this one (topical discovery — distinct from the procedural related bills above).
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.
Committee action
What happened to this bill in committee — the meetings where it was considered and every recorded vote taken on it.
Meetings where this bill was on the agenda
Full text
IN THE HOUSE OF REPRESENTATIVES
September 16, 2025
Mrs. Kim (for herself and Ms. Bynum) introduced the following bill; which was referred to the Committee on Financial Services
A BILL
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.
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 “Credit Access and Inclusion Act of 2025”.
SEC. 2. FULL-FILE REPORTING PERMITTED.
(a) In General.—Section 623 of the Fair Credit Reporting Act (15 U.S.C. 1681s-2) is amended by adding at the end the following:
“(f) Full-File Credit Reporting.—
“(1) Definitions.—In this subsection:
“(A) Energy utility firm.—The term ‘energy utility firm’ means an entity that provides gas or electric utility services to the public.
“(B) Utility or telecommunication firm.—The term ‘utility or telecommunication firm’ means an entity that provides utility services to the public through pipe, wire, landline, wireless, cable, or other connected facilities, or radio, electronic, or similar transmission (including the extension of such facilities).
“(2) Information relating to lease agreements, utilities, and telecommunications services.—Subject to the limitations in paragraph (3), and notwithstanding any other provision of law, a person or the Secretary of Housing and Urban Development may furnish to a consumer reporting agency information relating to the performance of a consumer in making payments—
“(A) under a lease agreement with respect to a dwelling, including such a lease in which the Department of Housing and Urban Development provides subsidized payments for occupancy in a dwelling; or
“(B) pursuant to a contract for a utility or telecommunications service.
“(3) Limitation.—Information about the usage by a consumer of any utility service provided by a utility or telecommunication firm may be furnished to a consumer reporting agency only to the extent that the information relates to the payment by the consumer for the service of the utility or telecommunication service or other terms of the provision of the services to the consumer, including any deposit, discount, or conditions for interruption or termination of the service.
“(4) Payment plan.—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—
“(A) the energy utility firm and the consumer have entered into a payment plan (including a deferred payment agreement, an arrearage management program, or a debt forgiveness program) with respect to such outstanding balance; and
“(B) the consumer is meeting the obligations of the payment plan, as determined by the energy utility firm.
“(5) Opt-out.—A consumer may opt-out of the furnishing of the information described in paragraph (2) by submitting a written request to the furnisher of such information.”.
(b) Limitation on Liability.—Section 623(c) of the Fair Credit Reporting Act (15 U.S.C. 1681s-2(c)) is amended—
(1) in paragraph (2), by striking “or” at the end;
(2) by redesignating paragraph (3) as paragraph (4); and
(3) by inserting after paragraph (2) the following:
“(3) subsection (f) of this section, including any regulations issued thereunder; or”.
(c) GAO Study and Report.—Not later than 2 years after the date of the enactment of this Act, the Comptroller General of the United States shall submit to the Congress a report—
(1) on the impact that furnishing information pursuant to subsection (f) of section 623 of the Fair Credit Reporting Act (15 U.S.C. 1681s-2), as added by subsection (a) of this section, has had on consumers; and
(2) that analyzes the effect on consumer credit scores of reporting consumer cash flow data to consumer credit agencies. <all>
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