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S 3040 115th Congress Senate Finance and Financial Sector Congressional oversight Consumer credit Debt collection Government studies and investigations Low- and moderate-income housing Public utilities and utility rates

Credit Access and Inclusion Act of 2018

Introduced: June 11, 2018 Introduced by: Scott, Tim Republican · South Carolina See on congress.gov
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This bill died when the 115th Congress ended
It never became law before the 115th Congress (2017–2018) 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 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jul 12, 2018
Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 115-361.
Jun 11, 2018
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Jun 11, 2018
Introduced in Senate
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 Plain-English summary Congressional Research Service

Credit Access and Inclusion Act of 2018

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's happening now July 12, 2018

Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 115-361.

 Related & companion bills 3
  • HR 6147 Related bill Interior, Environment, Financial Services and General Government, Agriculture, Rural Development, Food and Drug Adminis…
  • HR 435 Related bill The Credit Access and Inclusion Act of 2017
  • HR 5078 Related bill TRID Improvement Act of 2018
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 3
All 3 Republican 2 Independent 1
I
King, Angus S., Jr.
Maine · Oct 4, 2018
 R
Cotton, Tom
Arkansas · Jul 12, 2018
 R
Rounds, Mike
South Dakota · Jun 28, 2018
Cite this page click to expand
APA
U.S. Congress. (2026). S. 3040: Credit Access and Inclusion Act of 2018. 115th Congress. Open America. https://openamerica.io/bill/115-S-3040/
MLA
"S. 3040: Credit Access and Inclusion Act of 2018." 115th Congress, 2026, Open America, https://openamerica.io/bill/115-S-3040/.
Bluebook (legal)
S. 3040, 115th Cong. (2026), https://openamerica.io/bill/115-S-3040/.
Markdown link
[S. 3040: Credit Access and Inclusion Act of 2018](https://openamerica.io/bill/115-S-3040/)
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