H.R. 5402 · 119th Congress

Credit Access and Inclusion Act of 2026

Introduced on Sep 16, 2025 by Young Kim (R-CA-40). 2 cosponsors, 2 of them from another party. Latest action (Sep 1, 2026): Placed on the Union Calendar, Calendar No. 688.

Stage
Reported by committee
Introduced
Sep 16, 2025
Cosponsors
2
2 from the other party
Policy area
Finance and Financial Sector
Open in the Congress explorerCongress.govAlert me

Progress

The furthest stage the measure reached. Simple and concurrent resolutions do not go to the President.

  1. Introduced
  2. Reported by committee
  3. 3Passed one chamber
  4. 4Passed both chambers
  5. 5Sent to the President
  6. 6Became law

Official title

To amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain full-file consumer credit information to consumer reporting agencies, and for other purposes.

Subjects

  • Congressional oversight
  • Consumer credit
  • Credit and credit markets
  • Debt collection
  • Government information and archives
  • Government studies and investigations

Summary

By the Congressional Research Service (Introduced in House, Sep 16, 2025). Public domain.

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.

Sponsor and cosponsors

Cosponsors by party as of the day they signed on. Original cosponsors signed on the day of introduction.

Young KimR-CA-40Sponsor

Democrats · 2

Roll calls

Recorded votes on the measure. Most measures move by voice vote or unanimous consent, which record no individual positions.

No recorded roll call on this measure: it moved by voice vote or unanimous consent, or has not reached the floor.

History

Every action as published, oldest first. Roll calls link to how each member voted.

  1. Sep 16, 2025Introduced in House
  2. Sep 16, 2025Introduced in House
  3. Sep 16, 2025 · HouseReferred to the House Committee on Financial Services.
  4. Jun 30, 2026 · HouseCommittee Consideration and Mark-up Session Held
  5. Jun 30, 2026 · HouseOrdered to be Reported (Amended) by the Yeas and Nays: 28 - 23.
  6. Sep 1, 2026Reported (Amended) by the Committee on Financial Services. H. Rept. 119-788.
  7. Sep 1, 2026 · HouseReported (Amended) by the Committee on Financial Services. H. Rept. 119-788.
  8. Sep 1, 2026 · HousePlaced on the Union Calendar, Calendar No. 688.

Committees

Committees and subcommittees the measure was referred to.

Agencies in its committees' jurisdiction

Analisa's mapping of committee jurisdiction to federal agencies; the bill may touch others, or none of these.

Who lobbied on it

Organizations whose lobbying reports (LD-2) name this measure. Spending is what they reported for those quarters on all issues, not on this measure alone.

  1. AMERICAN FINTECH COUNCIL4 reports
    $300K reported (all issues)
  2. Trans Union LLC4 reports
    $2.4M reported (all issues)Federal contractor: TRANS UNION LLC$3.6M in contracts, FY2026AI match · 100%
  3. EXPERIAN NORTH AMERICA, INC3 reports
    $1.3M reported (all issues)
  4. CONSUMER DATA INDUSTRY ASSOCIATION2 reports
  5. CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP1 report
    $90K reported (all issues)
  6. CREDIT UNION NATIONAL ASSOCIATION, INC.1 report
    $1.3M reported (all issues)
  7. EQUIFAX INC.1 report
    $500K reported (all issues)Federal contractor: EQUIFAX INFORMATION SERVICES LLC$1.3M in contracts, FY2026AI match · 100%
  8. National Taxpayers Union1 report
    $30K reported (all issues)
  9. PLAID INC.1 report
    $190K reported (all issues)

Reports filed in 2025, 2026.

Sources and method

Every figure on this page traces to these records.

  • Bill status: bills and resolutions, sponsors, actions, subjects and CRS summaries (U.S. Government Publishing Office (GovInfo), from Congress.gov (Library of Congress))GovInfo Bill Status bulk data (Congress.gov; summaries by the Congressional Research Service) · data current to Oct 7, 2026 · loaded Oct 7, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Members of Congress, their terms, committees and identifiers (The @unitedstates project (from the Biographical Directory of the U.S. Congress, the House and the Senate))unitedstates/congress-legislators: legislators, committees and current committee membership · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: CC0 1.0 (public domain dedication)
  • House roll-call votes (Office of the Clerk, U.S. House of Representatives)Office of the Clerk, U.S. House of Representatives, roll-call vote records · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Senate roll-call votes and DW-NOMINATE scores (Voteview (UCLA Department of Political Science))Lewis, Jeffrey B., Keith Poole, Howard Rosenthal, Adam Boche, Aaron Rudkin, and Luke Sonnet (2026). Voteview: Congressional Roll-Call Votes Database. https://voteview.com/ · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Free to use with the required citation
  • Lobbying disclosures (LD-1 registrations, LD-2 quarterly reports, LD-203 contribution reports) (Clerk of the U.S. House of Representatives)Clerk of the House, Lobbying Disclosure Act filings (organizations only; lobbyists' names are not loaded) · data current to Oct 7, 2026 · loaded Oct 7, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Positions are shown only where a roll call recorded them; voice votes and unanimous consent record none.
  • Money and votes are shown side by side; neither explains the other.