3.0.0 4172 2023-01-11T13:32:30Z 2023-01-11T13:32:30Z House HR 2015-12-03 114 [Congressional Record Volume 161, Number 175 (Thursday, December 3, 2015)]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. ELLISON:H.R. 4172.Congress has the power to enact this legislation pursuantto the following:Congress has the power to enact this legislation pursuantto Article I, Section 8, Clause 1.[Page H9012]]]> hsba00 Financial Services Committee House Standing hsba15 Consumer Protection and Financial Institutions Subcommittee Hearings by 2016-09-27T19:55:53Z Referred to 2015-12-03T14:02:20Z Credit Access and Inclusion Act of 2015 114 2355 S 2015-12-03 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. Related bill CRS Credit Access and Inclusion Act of 2015 114 3035 HR 2015-07-13 Referred to the House Committee on Financial Services. Related bill CRS 2016-09-27 hsba15 Consumer Protection and Financial Institutions Subcommittee 1 House committee actions Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral. Committee 2015-12-03 Referred to the House Committee on Financial Services. IntroReferral H11100 2 House floor actions hsba00 Financial Services Committee 2015-12-03 Introduced in House IntroReferral Intro-H 9 Library of Congress 2015-12-03 Introduced in House IntroReferral 1000 9 Library of Congress E000288 Rep. Ellison, Keith [D-MN-5] Keith Ellison D MN 5 N F000451 Rep. Fitzpatrick, Michael G. [R-PA-8] Michael Fitzpatrick R PA G. 8 2015-12-03 True G000553 Rep. Green, Al [D-TX-9] Al Green D TX 9 2015-12-03 True R000586 Rep. Renacci, James B. [R-OH-16] James Renacci R OH B. 16 2015-12-03 True M001160 Rep. Moore, Gwen [D-WI-4] Gwen Moore D WI 4 2015-12-03 True D000614 Rep. Duffy, Sean P. [R-WI-7] Sean Duffy R WI P. 7 2015-12-03 True H001047 Rep. Himes, James A. [D-CT-4] James Himes D CT A. 4 2015-12-03 True M001182 Rep. Mulvaney, Mick [R-SC-5] Mick Mulvaney R SC 5 2015-12-03 True C001083 Rep. Carney, John C., Jr. [D-DE-At Large] John Carney D DE C. 0 2015-12-03 True P000606 Rep. Pittenger, Robert [R-NC-9] Robert Pittenger R NC 9 2015-12-03 True H000636 Rep. Hinojosa, Ruben [D-TX-15] RUBEN HINOJOSA D TX 15 2015-12-03 True J000255 Rep. Jones, Walter B., Jr. [R-NC-3] WALTER JONES R NC B. 3 2015-12-03 True G000551 Rep. Grijalva, Raúl M. [D-AZ-3] Raúl Grijalva D AZ M. 3 2015-12-03 True S001183 Rep. Schweikert, David [R-AZ-6] David Schweikert R AZ 6 2015-12-03 True R000515 Rep. Rush, Bobby L. [D-IL-1] BOBBY RUSH D IL L. 1 2015-12-03 True L000584 Rep. Love, Mia B. [R-UT-4] Mia Love R UT B. 4 2015-12-03 True M001166 Rep. McNerney, Jerry [D-CA-9] Jerry McNerney D CA 9 2015-12-03 True S001187 Rep. Stivers, Steve [R-OH-15] Steve Stivers R OH 15 2015-12-03 True B000574 Rep. Blumenauer, Earl [D-OR-3] EARL BLUMENAUER D OR 3 2015-12-03 True D000613 Rep. Dold, Robert J. [R-IL-10] Robert Dold R IL J. 10 2015-12-11 False C000714 Rep. Conyers, John, Jr. [D-MI-13] JOHN CONYERS D MI 13 2016-01-07 False C001037 Rep. Capuano, Michael E. [D-MA-7] MICHAEL CAPUANO D MA E. 7 2016-02-08 False M001137 Rep. Meeks, Gregory W. [D-NY-5] GREGORY MEEKS D NY W. 5 2016-02-23 False N000147 Del. Norton, Eleanor Holmes [D-DC-At Large] ELEANOR NORTON D DC HOLMES 0 2016-03-14 False K000368 Rep. Kirkpatrick, Ann [D-AZ-1] Ann Kirkpatrick D AZ 1 2016-04-26 False J000032 Rep. Jackson Lee, Sheila [D-TX-18] SHEILA JACKSON LEE D TX 18 2016-04-28 False S001165 Rep. Sires, Albio [D-NJ-8] Albio Sires D NJ 8 2016-05-03 False N000188 Rep. Norcross, Donald [D-NJ-1] Donald Norcross D NJ 1 2016-05-10 False S001145 Rep. Schakowsky, Janice D. [D-IL-9] JANICE SCHAKOWSKY D IL D. 9 2016-05-16 False D000623 Rep. DeSaulnier, Mark [D-CA-11] Mark DeSaulnier D CA 11 2016-05-23 False C001068 Rep. Cohen, Steve [D-TN-9] Steve Cohen D TN 9 2016-05-25 False B001287 Rep. Bera, Ami [D-CA-7] Ami Bera D CA 7 2016-06-21 False B001282 Rep. Barr, Andy [R-KY-6] Andy Barr R KY 6 2016-07-07 False H000324 Rep. Hastings, Alcee L. [D-FL-20] ALCEE HASTINGS D FL L. 20 2016-07-14 False M000087 Rep. Maloney, Carolyn B. [D-NY-12] CAROLYN MALONEY D NY B. 12 2016-09-28 False Finance and Financial Sector Consumer credit Debt collection Low- and moderate-income housing Public utilities and utility rates Finance and Financial Sector 00 2015-12-03 Introduced in House 2016-02-17T16:13:59Z Credit Access and Inclusion Act of 2015

This bill amends the Fair Credit Reporting Act to authorize a person or the Department of Housing and Urban Development (HUD) to furnish to a consumer reporting agency information relating to the performance of a consumer in making payments: (1) under a lease agreement for a dwelling, including a lease in which HUD provides subsidized payments; or (2) pursuant to a contract for a utility or telecommunications service.

Information about a consumer's usage of any utility or telecommunications services may be furnished to a consumer reporting agency only to the extent that such information relates to payment by the consumer for such services or other terms of the provision of such services, including any deposit, discount, or conditions for interruption or termination of service.

An energy utility firm may not report payment information to a consumer reporting agency with respect to an outstanding balance of a consumer as late if the firm and the consumer have entered into a payment plan and the consumer is meeting the obligations of such plan.

The bill amends the Consumer Credit Protection Act to make provisions regarding civil liability to consumers of persons for willful or negligent noncompliance with requirements imposed by such Act on credit reporting agencies inapplicable to any violation of this Act.

]]> Credit Access and Inclusion Act of 2015 Display Title Credit Access and Inclusion Act of 2015 Official Title as Introduced To amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes. Introduced in House IH Short Titles as Introduced Credit Access and Inclusion Act of 2015 Introduced in House 2015-12-03T05:00:00Z https://www.govinfo.gov/content/pkg/BILLS-114hr4172ih/xml/BILLS-114hr4172ih.xml 2016-09-27 Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral. text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. Congressional Research Service, Library of Congress This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.