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SB 50 IN

Hard credit inquiries by landlords.

IN · session 2026 · Senate · bill

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Introduced Dec 8, 2025

Latest action (Jan 8, 2026) Senator Ford J.D. added as coauthor

Summary

Prohibits a landlord from doing the following in connection with an applicant's application for the rental of a rental unit: (1) Making a hard inquiry to a consumer reporting agency or to a specialty consumer reporting agency for an applicant's consumer report or for information in an applicant's consumer report. (2) Obtaining or using a tenant screening report that includes information that is obtained through a hard inquiry to a consumer reporting agency or to a specialty consumer reporting agency for an applicant's consumer report or for information in an applicant's consumer report. Defines "hard inquiry" for purposes of these provisions as an inquiry that: (1) is noted on the consumer report of the applicant for a period of time following the inquiry; and (2) negatively impacts the applicant's credit score. Provides that a landlord that violates the bill's provisions commits a deceptive act that is actionable by an applicant and the attorney general under the Indiana statute concerning deceptive consumer sales.

Sponsor (1)

1 coauthor / cosponsor

Action history (3)

  1. Dec 8, 2025 Authored by Senator Jackson L · upper
  2. Dec 8, 2025 First reading: referred to Committee on Local Government · upper
  3. Jan 8, 2026 Senator Ford J.D. added as coauthor · upper
Subjects
CIVIL LAW AND PROCEDURE; Liabilities, Damages, and PenaltiesPROPERTY; Landlords and TenantsSTATE ELECTED OFFICIALS; Attorney GeneralTRADE REGULATIONS; Consumer Credit and Consumer Protection (Including the Uniform Consumer Credit Code (UCCC))

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