S. 1465: Credit Access and Inclusion Act of 2025
A Senate bill (S.) in the 119th U.S. Congress.
Overview
| Congress | 119th U.S. Congress (2025–2026) |
|---|---|
| Type | Senate bill (S.) |
| Originating chamber | Senate |
| Introduced | 2025-04-10 |
| Sponsor | Sen. Scott, Tim [R-SC] |
| Policy area | Finance and Financial Sector |
| Cosponsors | 4 |
| Latest action | 2025-04-10 — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. |
| Last updated | 2026-04-01 |
Summary
Official summary (Introduced in Senate, 2025-04-10):
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.
Cosponsors (4)
| Name | Party / state |
|---|---|
| Mike Rounds | R SD (original cosponsor) 2025-04-10 |
| Katie Boyd Britt | R AL (original cosponsor) 2025-04-10 |
| Kevin Cramer | R ND (original cosponsor) 2025-04-10 |
| Bernie Moreno | R OH (original cosponsor) 2025-04-10 |
Full text & official record
The official bill text, section-by-section summary, amendments, committee reports, and the complete legislative timeline for S. 1465 are published by Congress on congress.gov.
View S. 1465 on congress.gov →
Frequently asked questions
What is S. 1465?
S. 1465 is a Senate bill (S.) introduced in the 119th U.S. Congress, originating in the Senate. Official title: Credit Access and Inclusion Act of 2025.
Where can I read the full bill text?
The full text, cosponsors, amendments, and legislative status for S. 1465 are available on congress.gov.
Bill data: congress.gov API (official congressional records).