Credit Access and Inclusion Act of 2025

Hozzl · 2025-05-03T03:53:25Z

Explore the details of Senate Bill 1465 Credit Access and Inclusion Act of 2025 currently in Congress. Get insights into its purpose, current status, sponsors, and potential impact on undefined. Stay informed on legislative developments.

5/3/2025, 3:53 AM

Summary of Bill S 1465

The Credit Access and Inclusion Act of 2025, introduced in the 119th Congress on April 10, 2025, aims to address credit access and inclusion issues. Specific details or provisions from the bill's text are not provided in the context object. To access the full content and provisions of the bill, refer to the official PDF version available at https://www.congress.gov/119/bills/s1465/BILLS-119s1465is.pdf.

Congressional Summary of S 1465

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.

Read the Full Bill

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Current Status of Bill S 1465

Bill S 1465 is currently in the status of Bill Introduced since April 10, 2025. Bill S 1465 was introduced during Congress 119 and was introduced to the Senate on April 10, 2025. Bill S 1465's most recent activity was Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. as of April 10, 2025

Bipartisan Support of Bill S 1465

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Policy Area and Potential Impact of Bill S 1465

Primary Policy Focus

Alternate Title(s) of Bill S 1465

A bill to amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes.