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S. 1465 119th Congress Senate

Credit Access and Inclusion Act of 2025

Official title: A bill 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: April 10, 2025 Introduced by: Tim Scott Republican · South Carolina See on congress.gov
Finance and Financial Sector Congressional oversightConsumer creditCredit and credit marketsDebt collection
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 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Apr 10, 2025
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Apr 10, 2025
Introduced in Senate
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What's happening now April 10, 2025

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

 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.

 Related & companion bills 1
  • HR 5402 Credit Access and Inclusion Act of 2026
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Lobbying activity 30

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.

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 Cosponsors 4
All 4 Republican 4
R
Britt, Katie Boyd
Alabama · Apr 10, 2025
 R
Cramer, Kevin
North Dakota · Apr 10, 2025
 R
Moreno, Bernie
Ohio · Apr 10, 2025
 R
Rounds, Mike
South Dakota · Apr 10, 2025
Cite this page click to expand
APA
U.S. Congress. (2026). S. 1465: Credit Access and Inclusion Act of 2025. 119th Congress. Open America. https://openamerica.io/bill/119-S-1465/
MLA
"S. 1465: Credit Access and Inclusion Act of 2025." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-S-1465/.
Bluebook (legal)
S. 1465, 119th Cong. (2026), https://openamerica.io/bill/119-S-1465/.
Markdown link
[S. 1465: Credit Access and Inclusion Act of 2025](https://openamerica.io/bill/119-S-1465/)
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