H.R. 5402 · On the floor · Finance and Financial Sector

Credit Access and Inclusion Act of 2026

What it does

Allow reporting of on-time rent and utility payment history to consumer reporting agencies and credit bureaus.
Permit utilities to not report a consumer's balance as late if the consumer is meeting an active payment plan.
Exempt furnishers of credit information from civil liability for violations of the bill's reporting requirements.
Require the Government Accountability Office to report on consumer impacts of alternative payment data reporting and the effect of cash flow reporting on consumer credit outcomes.

Official 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…

Latest action

Sep 1, 2026: Placed on the Union Calendar, Calendar No. 688.

Committee: House Financial Services