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HR 6363 112th Congress House

Credit Access and Inclusion Act

Official title: To amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting positive consumer credit information to consumer reporting agencies by … Show full official titleShow less

Official title: To amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting positive consumer credit information to consumer reporting agencies by public utility companies, and for other purposes.

Introduced: September 10, 2012 See on congress.gov
Finance and Financial Sector Business recordsConsumer affairsConsumer creditHousing finance and home ownershipPublic utilities and utility rates
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This bill died when the 112th Congress ended
It never became law before the 112th Congress (2011–2012) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 4 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Oct 1, 2012
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Sep 13, 2012
Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral.
Sep 10, 2012
Referred to the House Committee on Financial Services.
Sep 10, 2012
Introduced in House
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 Latest action October 1, 2012

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

 Plain-English summary Congressional Research Service

Credit Access and Inclusion Act - Amends the Fair Credit Reporting Act, with respect to the responsibilities of furnishers of information to consumer reporting agencies, to declare that nothing in the Act or related regulations shall be construed as to prohibit a person from furnishing to a consumer reporting agency certain consumer identifying information, including: (1) consumer's full name, telephone number, mother's maiden name, address, zip code, date of birth, any generational designation, or Social Security number; (2) transactions or experiences between the consumer and the person furnishing the information; and (3) the performance of the consumer's obligations under a real property lease, a subscription agreement, or an account of a public utility service (subject to certain limitations).

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 6363: Credit Access and Inclusion Act. 112th Congress. Open America. https://openamerica.io/bill/112-HR-6363/
MLA
"H.R. 6363: Credit Access and Inclusion Act." 112th Congress, 2026, Open America, https://openamerica.io/bill/112-HR-6363/.
Bluebook (legal)
H.R. 6363, 112th Cong. (2026), https://openamerica.io/bill/112-HR-6363/.
Markdown link
[H.R. 6363: Credit Access and Inclusion Act](https://openamerica.io/bill/112-HR-6363/)
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