summary
Introduced
12/08/2025
12/08/2025
In Committee
12/08/2025
12/08/2025
Crossed Over
Passed
Dead
Introduced Session
2026 Regular Session
Bill Summary
Hard credit inquiries by landlords. Prohibits a landlord from doing the following in connection with an applicant's application for the rental of a rental unit: (1) Making a hard inquiry to a consumer reporting agency or to a specialty consumer reporting agency for an applicant's consumer report or for information in an applicant's consumer report. (2) Obtaining or using a tenant screening report that includes information that is obtained through a hard inquiry to a consumer reporting agency or to a specialty consumer reporting agency for an applicant's consumer report or for information in an applicant's consumer report. Defines "hard inquiry" for purposes of these provisions as an inquiry that: (1) is noted on the consumer report of the applicant for a period of time following the inquiry; and (2) negatively impacts the applicant's credit score. Provides that a landlord that violates the bill's provisions commits a deceptive act that is actionable by an applicant and the attorney general under the Indiana statute concerning deceptive consumer sales.
AI Summary
This bill adds a new chapter to Indiana law that prohibits landlords from conducting hard credit inquiries when processing rental applications. Specifically, a "hard inquiry" is defined as a credit check that is recorded on an applicant's credit report and negatively impacts their credit score. The bill prevents landlords from making hard inquiries to consumer reporting agencies or specialty consumer reporting agencies (which compile tenant and residential history) when evaluating a rental application. Additionally, landlords are prohibited from using tenant screening reports that contain information obtained through such hard inquiries. The bill defines key terms like "applicant," "consumer report," and "tenant screening report," and provides clear definitions for these concepts. If a landlord violates these provisions, they will be considered to have committed a deceptive act, which can be challenged by the applicant or the state's attorney general under existing consumer protection statutes. The law is set to take effect on July 1, 2026, giving landlords and the rental industry time to adapt to these new restrictions on credit screening practices.
Committee Categories
Government Affairs
Sponsors (2)
Last Action
Senator Ford J.D. added as coauthor (on 01/08/2026)
Official Document
bill text
bill summary
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bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://iga.in.gov/legislative/2026/bills/senate/50/details |
| Fiscal Note #1: Introduced | https://iga.in.gov/pdf-documents/124/2026/senate/bills/SB0050/fiscal-notes/SB0050.01.INTR.FN001.pdf |
| BillText | https://iga.in.gov/pdf-documents/124/2026/senate/bills/SB0050/SB0050.01.INTR.pdf |
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