H.R. 5402, the Credit Access and Inclusion Act of 2025, advanced out of committee on June 30, 2026.
H.R. 5402 — Credit Access and Inclusion Act of 2025
What it does
This bill allows utility companies (gas, electric, water, telecom) and landlords to report payment history to credit bureaus — both positive payments and late payments — so consumers can build credit scores through on-time utility and rent payments. Consumers can opt out. The bill also requires a Government Accountability Office study within 2 years to measure whether this reporting helps or harms consumer credit scores.
Quorum's transparency scan gave Credit Access and Inclusion Act of 2025 a moderate transparency flag.
What happens next
H.R. 5402 advanced out of committee. Next stop: a floor vote.
Who is behind it
Filed by Young Kim. Cosponsored by Eugene Vindman and Janelle Bynum.
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