Credit Access and Inclusion Act of 2025

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 5402 Introduced in House (IH)] <DOC> 119th CONGRESS 1st Session H. R. 5402 To amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain full-file consumer credit information to consumer reporting agencies, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES September 16, 2025 Mrs. Kim (for herself and Ms. Bynum) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain full-file consumer credit information to consumer reporting agencies, and for other purposes. 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 ``Credit Access and Inclusion Act of 2025''. SEC. 2. FULL-FILE REPORTING PERMITTED. (a) In General.--Section 623 of the Fair Credit Reporting Act (15 U.S.C. 1681s-2) is amended by adding at the end the following: ``(f) Full-File Credit Reporting.-- ``(1) Definitions.--In this subsection: ``(A) Energy utility firm.--The term `energy utility firm' means an entity that provides gas or electric utility services to the public. ``(B) Utility or telecommunication firm.--The term `utility or telecommunication firm' means an entity that provides utility services to the public through pipe, wire, landline, wireless, cable, or other connected facilities, or radio, electronic, or similar transmission (including the extension of such facilities). ``(2) Information relating to lease agreements, utilities, and telecommunications services.--Subject to the limitations in paragraph (3), and notwithstanding any other provision of law, a person or the Secretary of Housi