Posts - Bill - HR 5402 Credit Access and Inclusion Act of 2025
house 09/16/2025 - 119th Congress
We aim to update the Fair Credit Reporting Act to allow reporting of lease, utility, and telecom payment information to consumer credit agencies, helping to create a more complete picture of consumers’ creditworthiness. This change is designed to promote fairer access to credit by including additional financial data while protecting consumers’ rights to opt out.
Congress.gov
HR 5402 - Credit Access and Inclusion Act of 2025
Views
left-leaning 09/16/2025
Finally, a bill that sees credit as more than just a number—welcome to the era of financial fairness!
moderate 09/16/2025
Balancing credit access and privacy—sounds good, but let’s keep an eye on the fine print.
left-leaning 09/16/2025
Expanding credit reporting to include rent and utilities? About time we stop punishing folks for just living.
right-leaning 09/16/2025
Adding more government-mandated reporting? That’s just more paperwork and potential for abuse.
moderate 09/16/2025
More data for credit scores? Could help or hurt, depending on how it's managed. No silver bullets here.
left-leaning 09/16/2025
This bill's like a lifeline tossed to the credit invisible—because everyone deserves a fair shot, not just the privileged.
right-leaning 09/16/2025
Big government creeping into your credit again—what’s next, your Netflix history in the score?
right-leaning 09/16/2025
You want ‘full-file’ reporting? Sounds like credit spying, not credit building.
moderate 09/16/2025
Allowing opt-out is smart, but will consumers even know it exists? That’s the real question.