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119th Congress · House bill · Last action Sep 1, 2026
Bills›Finance and Financial Sector›H.R. 5402Congress.gov ↗
H.R. 5402IntroducedFinance and Financial Sector

Credit Access and Inclusion Act of 2026

Sponsor: Rep. Kim, Young (R-CA)2 cosponsorsIntroduced Sep 16, 2025
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In plain English

The bill allows landlords, utility companies, and telecommunications providers to report a consumer's on-time rent and utility payments to credit reporting agencies, and permits the Department of Housing and Urban Development to report lease payment information. Energy utilities cannot report an outstanding balance as late if the consumer is following an agreed payment plan. Furnishers of this information are shielded from civil liability for reporting under the bill. The Government Accountability Office must study the consumer impact of this reporting and the effect of reporting consumer cash flow data to credit agencies.

Generated by ThePolitibase from the bill text and CRS summary. Read the official text →
Note: the official CRS summary for this bill was written on 2025-09-16, but the bill text was revised on 2026-09-01T04:00:00Z. Provisions may have been added since the summary was written — the section list above reflects the current text.

Where it is in the process

✓
Introduced
Sep 16
✓
House committee
Jun 30
3
House floor
-
4
Senate
-
5
Signed
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What happens next: Awaiting committee assignment or hearings in the House.

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Sponsor

Cosponsors (2)

JR
ER
All Democratic.

Activity timeline

Sep 1
Sep 1
Placed on the Union Calendar, Calendar No. 688.
Sep 1
Sep 1
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-788.
Sep 1
Sep 1
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-788.
Jun 30
Jun 30
Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 23.
Jun 30
Jun 30
Committee Consideration and Mark-up Session Held
Sep 16
Sep 16, 2025
Referred to the House Committee on Financial Services.
Sep 16
Sep 16, 2025
Introduced in House
Sep 16
Sep 16, 2025
Introduced in House
Read the bill text
Official text via Congress.gov. Opens in a new tab.
Read full text →

Full action log

All 8 recorded actions since introduction · Source: Congress.gov
2026
Sep 1
HOUSEPlaced on the Union Calendar, Calendar No. 688.
Sep 1
HOUSEReported (Amended) by the Committee on Financial Services. H. Rept. 119-788.
Sep 1
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-788.
Jun 30
HOUSEOrdered to be Reported (Amended) by the Yeas and Nays: 28 - 23.
Jun 30
HOUSECommittee Consideration and Mark-up Session Held
2025
Sep 16
HOUSEReferred to the House Committee on Financial Services.
Sep 16
Introduced in House
Sep 16
Introduced in House

All 2 cosponsors

2 Democrats · 0 Republicans
Democrats (2)
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