End Tenant Credit Screening Act

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 4369 Introduced in House (IH)] <DOC> 119th CONGRESS 1st Session H. R. 4369 To amend the Fair Credit Reporting Act to prohibit the use of consumer credit checks against prospective and current tenants for the purposes of making adverse rental housing decisions. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES July 14, 2025 Mr. Frost introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To amend the Fair Credit Reporting Act to prohibit the use of consumer credit checks against prospective and current tenants for the purposes of making adverse rental housing decisions. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``End Tenant Credit Screening Act''. SEC. 2. USE OF CREDIT CHECKS PROHIBITED FOR TENANT SCREENING PURPOSES. Section 604 of the Fair Credit Reporting Act (15 U.S.C. 1681b) is amended by inserting after subsection (g) the following: ``(h) Use of Certain Consumer Reports Prohibited for Tenant Screening Purposes.-- ``(1) Definitions.--For purposes of this section: ``(A) The term `tenant screening purposes' when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for rental housing, including whether to approve a consumer's rental housing application, determining the consumer's security deposit or other terms of the consumer's lease, or retention a tenant. ``(B) The term `housing provider' means any person that leases a unit of residential real estate to an individual. ``(2) General prohibition.--Except as provided in paragraph (3), a person, including a prospective or current housing provider, may not use a consumer report or investigative con