S 1465 · in committee · significant
Credit Access and Inclusion Act of 2025
- economy
What this bill does
- This bill allows positive credit information like on-time rent and utility payments to be reported to credit bureaus.
- It affects consumers seeking to build credit history and utility companies that report payment data.
- The bill takes effect immediately with no direct federal costs; requires a GAO study on consumer impact.
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Community Threads
Started by Cosponsor
- 01
How might allowing rent and utility payment reporting affect people who currently lack traditional credit histories?
- 02
What safeguards should exist to prevent utility companies from misreporting payment data that could harm consumers' credit scores?
- 03
What specific consumer impacts should the GAO study measure to determine whether this bill achieves its credit-building goals?
Cosponsor writes these to seed civic discussion — they aren't user posts. Sign in to reply.
Sponsor · R-SC
Tim Scott
Citizen cosponsors
0
In Congress
4/ 100
Senators cosponsoring
Introduced 2025-04-10
Joining the bill
Legislative timeline
2025-04-10 · senate · IntroReferral
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
2025-04-10 · IntroReferral
Introduced in Senate
Citizen comments
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