H.R. 5402 Reported by committee Finance and Financial Sector

Credit Access and Inclusion Act of 2026

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.

  1. Introduced
  2. Committee
  3. Passed House
  4. Passed Senate
  5. To President
  6. Became law
Sponsor Rep. Kim, Young [R-CA-40] Introduced September 16, 2025 Cosponsors 2 (2 D) Latest action September 1, 2026

Summary

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.
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.

Summary by the Congressional Research Service, Library of Congress.

Congress.gov

Actions

  1. Sep 1, 2026 Placed on the Union Calendar, Calendar No. 688.
  2. Sep 1, 2026 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-788.
  3. Jun 30, 2026 Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 23.
  4. Jun 30, 2026 Committee Consideration and Mark-up Session Held
  5. Sep 16, 2025 Referred to the House Committee on Financial Services.
  6. Sep 16, 2025 Introduced in House

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