Bill would let landlords, utilities report on-time payments to credit bureaus
Placed on the calendarH.R. 5402Latest action
Sponsor: Young Kim · Representative · CA
AIDecoded by AI · checked against the recordRead the official text
Official title: Credit Access and Inclusion Act of 2026
119th Congress
Topics: Jobs & the economy
Introduced:
Read the official bill on Congress.govIn plain words
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The bill clarifies that landlords, utilities, and phone companies can report payment histories to credit bureaus to help build credit.
45-second read · 4 questions answered below
What does this do?
This bill clarifies federal credit reporting law to allow landlords, utility companies, phone/internet providers, and HUD to report payment histories, like rent and utility bills, to credit bureaus. It limits reporting to payment and account terms, not usage details, and protects consumers on utility payment plans from being reported as late. Companies reporting in good faith also gain some legal protection from lawsuits.
Who does it affect?
Renters, utility customers, and phone/internet subscribers would be affected, as their payment records could be used to build credit history. Landlords, utility companies, and telecom firms are given clearer legal permission to report this data.
Why does it matter?
The change could allow people without traditional credit, like credit cards or loans, to build credit history through routine bill payments, though the would study its actual effects on consumers two years after enactment.
AI-drafted summary. Check it against the official text before you act on it.
Based on the “Reported in House” text of Sep 1, 2026.
Read the official bill on Congress.govMake the call
Where does it stand?
- IntroducedSep 16, 2025
- House committee
- House voteYou are here · Sep 1, 2026
- Senate
- The president's desk
Right now: it was placed on the , and the official record shows no floor action on it since. If the Senate changes it, it goes back to the House before reaching the president.
Latest action: — Placed on the Union Calendar, Calendar No. 688.