119th Congress · introduced in the House · Sep 16, 2025
Credit Access and Inclusion Act of 2026
Official title from Congress.gov
Latest action (Sep 1, 2026): Placed on the Union Calendar, Calendar No. 688.
View on Congress.govPolicy area: Finance and Financial Sector
Congressional Research Service summary, version: Introduced in House (Sep 16, 2025)
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 and the effect of reporting consumer cash flow data to consumer credit agencies.
Includes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
No recorded roll calls on this bill in coverage.
Placed on the Union Calendar, Calendar No. 688.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-788.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-788.
Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 23.
Committee Consideration and Mark-up Session Held
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
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LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsCoverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 24, 2026.
26 citations; showing the 25 most recently posted.
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP · lobbying firm or registrant: CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Consumer Issues/Safety/Products
$70,000
Spent on own lobbying
…- Fair Credit Reporting Reseller Accuracy Act and H.R. 5775 - FCRA Liability Harmonization Act, concerning amendments to the Fair Credit Reporting Act (FCRA). H.R. 5402 - Credit Access and Inclusion Act of 2025, concerning the inclusion of rent and utility payment data in consumer credit reports. H.R. 7588 - Complaint Database…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
PLAID INC. · lobbying firm or registrant: PLAID INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$150,000
Spent on own lobbying
H.R. 5402: Credit Access and Inclusion Act H.R.8398: Guidelines for Use, Access, and Responsible Disclosure (GUARD) of Financial Data Act Executive Order 14405: Integrat…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION OF REALTORS · lobbying firm or registrant: NATIONAL ASSOCIATION OF REALTORS
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$27,400,000
Spent on own lobbying
Access to Banking for Cannabis Businesses S. 4942/H.R. 9471 SAFE/SAFER Banking Act Banking Regulations S.1467/H.R.2808 - Homebuyers Privacy Protection Act H.R. 5402/S. 1465 Credit Access and Inclusion Act H.R. 10325 To increase the mandatory contribution amount of Federal Home Loan Banks to the Affordable Housing Program,…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FINTECH COUNCIL · lobbying firm or registrant: AMERICAN FINTECH COUNCIL
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$120,000
Spent on own lobbying
…al Services Act: provisions related to artificial intelligence. H.R. 5317 - Community Bank Deposit Access Act of 2025: provisions regarding custodial deposits. H.R. 5402 / S. 1465 - Credit Access and Inclusion Act of 2025: provisions related to credit reporting. H.R. 6552 - Bank-Fintech Partnership Enhancement Act: provisions r…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EXPERIAN NORTH AMERICA · lobbying firm or registrant: EXPERIAN NORTH AMERICA
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$440,000
Spent on own lobbying
…islative and regulatory issues pertaining to FCRA requirements, credit reporting, monitoring, and scoring; including Credit Access and Inclusion Act (S. 1465 & H.R. 5402), ESCRA Act (H.R. 306), FCRA Liability Harmonization Act (H.R. 5775), Credit Freeze for Kids Act (S. 619); the Guidelines for Use, Access, and Responsible Disc…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
TRANS UNION LLC · lobbying firm or registrant: TRANS UNION LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$540,000
Spent on own lobbying
…H.R. 7757 - Kids Internet and Digital Safety (KIDS) Act: Provisions pertaining to additional protections for the online privacy of children and teens. S. 1465, H.R. 5402 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CONSUMER DATA INDUSTRY ASSOCIATION · lobbying firm or registrant: PORTERFIELD, FETTIG & SEARS, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Financial Institutions/Investments/Securities
$70,000
Paid to lobbying firm
Issues related to the credit reporting industry and the Fair Credit Reporting Act; H.R. 5775, the FCRA Liability Harmonization Act; H.R. 5402, the Credit Access and Inclusion Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EQUIFAX, INC · lobbying firm or registrant: EQUIFAX, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · amended · posted Oct 18, 2026 · issue area: Financial Institutions/Investments/Securities
$530,000
Spent on own lobbying
Issues related to H.R. 5775 - FCRA Liability Harmonization Act; Issues related to H.R. 5402/S. 1465 - Credit Access and Inclusion Act of 2025; Issues related to H.R. 8141 - Fair Credit Reporting Reseller Accuracy Act; Issues related to S. 619 - Credit…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA · lobbying firm or registrant: AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICAS CREDIT UNIONS
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 14, 2026 · issue area: Banking
$1,060,000
Spent on own lobbying
…; Senate Amendment 6396) Support Growing Deposit Insurance for the Future Act (H.R. 8088) Support ESCRA Act (H.R. 306) Support Credit Access and Inclusion Act (H.R. 5402; S. 1465) Support FCRA Liability Harmonization Act (H.R. 5775) Support Guarding Unprotected Aging Retirees from Deception Act (H.R. 2978; S. 2544; Senate Amend…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
PLAID INC. · lobbying firm or registrant: PLAID INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 21, 2026 · issue area: Financial Institutions/Investments/Securities
$190,000
Spent on own lobbying
H.R. 5402: Credit Access and Inclusion Act H.R.8398: Guidelines for Use, Access, and Responsible Disclosure (GUARD) of Financial Data Act Executive Order 14405: Integrat…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL TAXPAYERS UNION · lobbying firm or registrant: NATIONAL TAXPAYERS UNION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 21, 2026 · issue area: Financial Institutions/Investments/Securities
$30,000
Spent on own lobbying
HR 5402Credit Access and Inclusion Act HR 1640Heirs Estate Inheritance Resolution and Succession Act OCC Docket ID OCC-2026-0265Regulatory Capital Proposed Rules: Cate…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP · lobbying firm or registrant: CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Consumer Issues/Safety/Products
$90,000
Spent on own lobbying
…- Fair Credit Reporting Reseller Accuracy Act and H.R. 5775 - FCRA Liability Harmonization Act, concerning amendments to the Fair Credit Reporting Act (FCRA). H.R. 5402 - Credit Access and Inclusion Act of 2025, concerning the inclusion of rent and utility payment data in consumer credit reports. H.R. 7588 - Complaint Database…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FINTECH COUNCIL · lobbying firm or registrant: AMERICAN FINTECH COUNCIL
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$110,000
Spent on own lobbying
…ing (TRUST) Act of 2025 Act: provisions related to examination. H.R. 5317 - Community Bank Deposit Access Act of 2025: provisions regarding custodial deposits. H.R. 5402 / S. 1465 - Credit Access and Inclusion Act of 2025: provisions related to credit reporting. H.R. 6552 - Bank-Fintech Partnership Enhancement Act: provisions r…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CONSUMER DATA INDUSTRY ASSOCIATION · lobbying firm or registrant: PORTERFIELD, FETTIG & SEARS, LLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$70,000
Paid to lobbying firm
Issues related to the credit reporting industry and the Fair Credit Reporting Act; H.R. 5775, the FCRA Liability Harmonization Act; H.R. 5402, the Credit Access and Inclusion Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EXPERIAN NORTH AMERICA · lobbying firm or registrant: EXPERIAN NORTH AMERICA
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$440,000
Spent on own lobbying
…islative and regulatory issues pertaining to FCRA requirements, credit reporting, monitoring, and scoring; including Credit Access and Inclusion Act (S. 1465 & H.R. 5402), ESCRA Act (H.R. 306), FCRA Liability Harmonization Act (H.R. 5775), Credit Freeze for Kids Act (S. 619); and the Guidelines for Use, Access, and Responsible…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
TRANS UNION LLC · lobbying firm or registrant: TRANS UNION LLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$520,000
Spent on own lobbying
S. 619 - Credit Freeze for Kids Act: Provisions pertaining to credit freezing for children. S. 1465, H.R. 5402 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA · lobbying firm or registrant: AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICAS CREDIT UNIONS
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 17, 2026 · issue area: Banking
$1,290,000
Spent on own lobbying
…54, 4394, 6101; S. 3940) Support Growing Deposit Insurance for the Future Act (H.R. 8088) Support ESCRA Act (H.R. 306) Support Credit Access and Inclusion Act (H.R. 5402; S. 1465) Support FCRA Liability Harmonization Act (H.R. 5775) Support Guarding Unprotected Aging Retirees from Deception Act (H.R. 2978; S. 2544; Senate Amend…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EXPERIAN NORTH AMERICA · lobbying firm or registrant: EXPERIAN NORTH AMERICA
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · amended · posted Jun 10, 2026 · issue area: Financial Institutions/Investments/Securities
$405,000
Spent on own lobbying
…ments, credit reporting, monitoring, and scoring; including Homebuyers Privacy Protection Act (H.R. 2808 & S. 1467), Credit Access and Inclusion Act (S. 1465 & H.R. 5402), ESCRA Act (H.R. 306), FCRA Liablility Harmonization Act (H.R. 5775), and Credit Freeze for Kids Act (S. 619).
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CONSUMER DATA INDUSTRY ASSOCIATION · lobbying firm or registrant: PORTERFIELD, FETTIG & SEARS, LLC
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Financial Institutions/Investments/Securities
$70,000
Paid to lobbying firm
Issues related to the credit reporting industry and the Fair Credit Reporting Act; H.R. 5775, the FCRA Liability Harmonization Act; H.R. 5402, the Credit Access and Inclusion Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EXPERIAN NORTH AMERICA · lobbying firm or registrant: EXPERIAN NORTH AMERICA
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Financial Institutions/Investments/Securities
$410,000
Spent on own lobbying
…ments, credit reporting, monitoring, and scoring; including Homebuyers Privacy Protection Act (H.R. 2808 & S. 1467), Credit Access and Inclusion Act (S. 1465 & H.R. 5402), ESCRA Act (H.R. 306), FCRA Liablility Harmonization Act (H.R. 5775), and Credit Freeze for Kids Act (S. 619).
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FINTECH COUNCIL · lobbying firm or registrant: AMERICAN FINTECH COUNCIL
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Financial Institutions/Investments/Securities
$70,000
Spent on own lobbying
…ing (TRUST) Act of 2025 Act: provisions related to examination. H.R. 5317 - Community Bank Deposit Access Act of 2025: provisions regarding custodial deposits. H.R. 5402 / S. 1465 - Credit Access and Inclusion Act of 2025: provisions related to credit reporting. H.R. 6552 - Bank-Fintech Partnership Enhancement Act: provisions r…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
TRANS UNION LLC · lobbying firm or registrant: TRANS UNION LLC
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Banking
$670,000
Spent on own lobbying
…. Public Law No: 119-36 - Homebuyers Privacy Protection Act: Provisions pertaining to the use of mortgage trigger leads for credit reporting agencies. S. 1465, H.R. 5402 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FINTECH COUNCIL · lobbying firm or registrant: AMERICAN FINTECH COUNCIL
2025 Q3 report (Jul 1, 2025 – Sep 30, 2025) · amended · posted Jan 21, 2026 · issue area: Financial Institutions/Investments/Securities
$60,000
Spent on own lobbying
…cial Services Act: Provisions related to AI innovation centers. H.R. 5317 - Community Bank Deposit Access Act of 2025: Provisions regarding custodial deposits. H.R. 5402 / S. 1465 - Credit Access and Inclusion Act of 2025: Supporting a specific amendment to include enabling financial institutions to furnish data. S. 2781 - Prot…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FINTECH COUNCIL · lobbying firm or registrant: AMERICAN FINTECH COUNCIL
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 20, 2026 · issue area: Financial Institutions/Investments/Securities
$60,000
Spent on own lobbying
…provisions related to examination. H.R. 4478 - Tailored Regulatory Updates for Supervisory Testing (TRUST) Act of 2025 Act: provisions related to examination. H.R. 5402 / S.1465 - Credit Access and Inclusion Act of 2025: provisions related to credit reporting. H.R. 5775 - FCRA Liability Harmonization Act: provisions related to…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
TRANS UNION LLC · lobbying firm or registrant: TRANS UNION LLC
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 20, 2026 · issue area: Banking
$740,000
Spent on own lobbying
…. Public Law No: 119-36 - Homebuyers Privacy Protection Act: Provisions pertaining to the use of mortgage trigger leads for credit reporting agencies. S. 1465, H.R. 5402 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing