Bill > HR435

Introduced Session

The Credit Access and Inclusion Act of 2017 (Sec. 2) This bill amends the Fair Credit Reporting Act to allow the reporting of certain positive consumer-credit information 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 of the Consumer Credit Protection Act 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.

Committee Categories

Keith Ellison (D)*,  Andy Barr (R),  Sanford Bishop (D),  Lisa Blunt Rochester (D),  Michael Capuano (D),  David Cicilline (D),  Steve Cohen (D),  John Conyers (D),  Charlie Crist (D),  Sean Duffy (R),  Vicente Gonzalez (D),  Al Green (D),  Raúl Grijalva (D),  Eddie Johnson (D),  Walter Jones (R),  Mia Love (R),  Carolyn Maloney (D),  Jerry McNerney (D),  Gregory Meeks (D),  Luke Messer (R),  Gwen Moore (D),  Eleanor Holmes Norton (D),  Robert Pittenger (R),  Jamie Raskin (D),  James Renacci (R),  Dennis Ross (R),  Edward Royce (R),  Jan Schakowsky (D),  Steve Stivers (R),  Scott Tipton (R),  Bonnie Watson Coleman (D), 

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (on 06/26/2018)

Official Document