Skip to main content
H.R. 5402 119th Congress House

Credit Access and Inclusion Act of 2026

Introduced: October 3, 2025 Introduced by: Young Kim Republican · California See on congress.gov
Finance and Financial Sector Congressional oversightConsumer creditCredit and credit marketsDebt collection
More subjectsShow fewer subjects
Government information and archivesGovernment studies and investigations
Sign in to write a letter Sign in to watch
 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Sep 16, 2025
Referred to the House Committee on Financial Services.
Sep 16, 2025
Introduced in House
 Ask about this bill AI · grounded in the bill text

Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.

AI answers can be imperfect; always confirm against the full bill text.

What's happening now September 16, 2025

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

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 and the effect of reporting consumer cash flow data to consumer credit agencies.

 Hearings & markups 1
  • Various Measures
    Markup Jun 30, 2026 · 10:00 AM EDT · Financial Services Committee
 Related & companion bills 1
  • S 1465 Credit Access and Inclusion Act of 2025
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Lobbying activity 28

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

Bodies those filers lobbied

A filing lists the bills it worked on and the parts of government it contacted in separate sections, so these are the bodies those filers named anywhere in the filing, not a per-bill breakdown.

See all 28 filings →
 Cosponsors 2
All 2 Democratic 2
D
Vindman, Eugene Simon
Virginia · Oct 3, 2025
 D
Bynum, Janelle S.
Oregon · Sep 16, 2025
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 5402: Credit Access and Inclusion Act of 2026. 119th Congress. Open America. https://openamerica.io/bill/119-HR-5402/
MLA
"H.R. 5402: Credit Access and Inclusion Act of 2026." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-5402/.
Bluebook (legal)
H.R. 5402, 119th Cong. (2026), https://openamerica.io/bill/119-HR-5402/.
Markdown link
[H.R. 5402: Credit Access and Inclusion Act of 2026](https://openamerica.io/bill/119-HR-5402/)
Report a problem