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Bill115th CongressFiled Jan 11, 2017Finance and Financial Sector
H.R. 435

The Credit Access and Inclusion Act of 2017

Bill journey · stage 2 of 5

Under committee review

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What it doesSummary passed house amended (Jun 25, 2018)

Credit Access and Inclusion Act of 2017

(Sec. 2) This bill amends the Fair Credit Reporting Act to allow the reporting of certain positive consumer-credit information 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 of the Consumer Credit Protection Act 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.

What just happenedJun 26, 2018

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Who’s behind it

Rep. Ellison, Keith [D-MN-5](D-MN)Sponsor
30 cosponsors19 D11 R
Read on Congress.gov
30cosponsors2committees16actions4related bills4subjects
  1. Jun 26, 2018IntroReferral

    Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

    Banking, Housing, and Urban Affairs Committee
  2. Jun 25, 2018FloorH38310

    Motion to reconsider laid on the table Agreed to without objection.

  3. Jun 25, 2018FloorH37300

    On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H5586-5587)

  4. Jun 25, 2018Floor8000

    Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.(text: CR H5586-5587)

  5. Jun 25, 2018FloorH8D000

    DEBATE - The House proceeded with forty minutes of debate on H.R. 435.

  6. Jun 25, 2018FloorH30000

    Considered under suspension of the rules. (consideration: CR H5586-5587)

  7. Jun 25, 2018FloorH30300

    Mr. Hill moved to suspend the rules and pass the bill, as amended.

  8. Feb 16, 2018CalendarsH12410

    Placed on the Union Calendar, Calendar No. 429.

  9. Feb 16, 2018CommitteeH12200

    Reported (Amended) by the Committee on Financial Services. H. Rept. 115-568.

    Financial Services Committee
  10. Feb 16, 2018Committee5000

    Reported (Amended) by the Committee on Financial Services. H. Rept. 115-568.

    Financial Services Committee
  11. Dec 13, 2017Committee

    Ordered to be Reported (Amended) by the Yeas and Nays: 60 - 0.

    Financial Services Committee
  12. Dec 13, 2017Committee

    Committee Consideration and Mark-up Session Held.

    Financial Services Committee
  13. Dec 12, 2017Committee

    Committee Consideration and Mark-up Session Held.

    Financial Services Committee
  14. Jan 11, 2017IntroReferralH11100

    Referred to the House Committee on Financial Services.

    Financial Services Committee
  15. Jan 11, 2017IntroReferralIntro-H

    Introduced in House

  16. Jan 11, 2017IntroReferral1000

    Introduced in House

Passed House amendedJun 25, 201836

Credit Access and Inclusion Act of 2017

(Sec. 2) This bill amends the Fair Credit Reporting Act to allow the reporting of certain positive consumer-credit information 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 of the Consumer Credit Protection Act 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.

Reported to House with amendment(s)Feb 16, 201817

Credit Access and Inclusion Act of 2017

(Sec. 2) This bill amends the Fair Credit Reporting Act to allow the reporting of certain positive consumer-credit information 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 of the Consumer Credit Protection Act 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.

Introduced in HouseJan 11, 2017

Credit Access and Inclusion Act of 2017

This bill amends the Fair Credit Reporting Act to allow the reporting of certain positive consumer-credit information 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 of the Consumer Credit Protection Act that establish civil liability with respect to furnishers of information to consumer reporting agencies shall not apply to any violation of the bill.

The Credit Access and Inclusion Act of 2017 — Informed