3.0.0 3040 2023-01-11T13:42:10Z 2023-01-11T13:42:10Z Senate S 2018-06-11 115 ssbk00 Banking, Housing, and Urban Affairs Committee Senate Standing Hearings by 2018-07-12T14:00:42Z Referred to 2018-06-11T19:38:23Z Interior, Environment, Financial Services and General Government, Agriculture, Rural Development, Food and Drug Administration, and Transportation, Housing and Urban Development Appropriations Act, 2019 115 6147 HR 2018-09-07 Message on Senate action sent to the House. Related bill CRS The Credit Access and Inclusion Act of 2017 115 435 HR 2018-06-26 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. Related bill CRS TRID Improvement Act of 2018 115 5078 HR 2018-02-28 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. Related bill CRS 2018-07-12 ssbk00 Banking, Housing, and Urban Affairs Committee Senate Committee on Banking, Housing, and Urban Affairs. Hearings held. Committee 2018-06-11 ssbk00 Banking, Housing, and Urban Affairs Committee Senate Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. IntroReferral 2018-06-11 Introduced in Senate IntroReferral 10000 9 Library of Congress S001184 Sen. Scott, Tim [R-SC] Tim Scott R SC N M001183 Sen. Manchin, Joe, III [D-WV] Joseph Manchin D WV 2018-06-11 True T000464 Sen. Tester, Jon [D-MT] Jon Tester D MT 2018-06-25 False J000300 Sen. Jones, Doug [D-AL] Doug Jones D AL 2018-06-27 False R000605 Sen. Rounds, Mike [R-SD] Mike Rounds R SD 2018-06-28 False C001095 Sen. Cotton, Tom [R-AR] Tom Cotton R AR 2018-07-12 False K000383 Sen. King, Angus S., Jr. [I-ME] Angus King I ME S. 2018-10-04 False Finance and Financial Sector Congressional oversight Consumer credit Debt collection Government studies and investigations Low- and moderate-income housing Public utilities and utility rates Finance and Financial Sector 00 2018-06-11 Introduced in Senate 2018-11-01T16:28:06Z Credit Access and Inclusion Act of 2018

This bill amends the Fair Credit Reporting Act to allow the reporting of certain positive consumer-credit information 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 of the Consumer Credit Protection Act 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.

]]> Credit Access and Inclusion Act of 2018 Display Title Credit Access and Inclusion Act of 2018 Official Title as Introduced A bill 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 Senate IS Short Titles as Introduced Credit Access and Inclusion Act of 2018 Introduced in Senate 2018-06-11T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-115s3040is/xml/BILLS-115s3040is.xml 2018-07-12 Committee on Banking, Housing, and Urban Affairs. Hearings held. 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.