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HR 3035 114th Congress House

Credit Access and Inclusion Act of 2015

Official title: 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.

Introduced: September 8, 2015 See on congress.gov
Finance and Financial Sector Consumer creditDebt collectionLow- and moderate-income housingPublic utilities and utility rates
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This bill died when the 114th Congress ended
It never became law before the 114th Congress (2015–2016) 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 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jul 13, 2015
Referred to the House Committee on Financial Services.
Jul 13, 2015
Introduced in House
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 Latest action July 13, 2015

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Credit Access and Inclusion Act of 2015

This bill amends the Fair Credit Reporting Act to authorize a person or the Department of Housing and Urban Development (HUD) to furnish to a consumer reporting agency information relating to the performance of a consumer in making payments: (1) under a lease agreement for a dwelling, including a lease in which HUD provides subsidized payments; or (2) pursuant to a contract for a utility or telecommunications service.

Information about a consumer's usage of any utility or telecommunications services may be furnished to a consumer reporting agency only to the extent that such information relates to payment by the consumer for such services or other terms of the provision of such services, including any deposit, discount, or conditions for interruption or termination of service.

An energy utility firm may not report payment information to a consumer reporting agency with respect to an outstanding balance of a consumer as late if the firm and the consumer have entered into a payment plan and the consumer is meeting the obligations of such plan.

 Related & companion bills 2
  • S 2355 Related bill Credit Access and Inclusion Act of 2015
  • HR 4172 Related bill Credit Access and Inclusion Act of 2015
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 7
All 7 Democratic 3 Republican 1
Duffy, Sean
· Sep 8, 2015
 D
Himes, James A.
Connecticut · Jul 21, 2015
 D
Green, Al
Texas · Jul 13, 2015
 D
Moore, Gwen
Wisconsin · Jul 13, 2015
Pittenger, Robert
· Jul 13, 2015
Renacci, James
· Jul 13, 2015
 R
Schweikert, David
Arizona · Jul 13, 2015
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3035: Credit Access and Inclusion Act of 2015. 114th Congress. Open America. https://openamerica.io/bill/114-HR-3035/
MLA
"H.R. 3035: Credit Access and Inclusion Act of 2015." 114th Congress, 2026, Open America, https://openamerica.io/bill/114-HR-3035/.
Bluebook (legal)
H.R. 3035, 114th Cong. (2026), https://openamerica.io/bill/114-HR-3035/.
Markdown link
[H.R. 3035: Credit Access and Inclusion Act of 2015](https://openamerica.io/bill/114-HR-3035/)
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