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The Credit Access and Inclusion Act of 2017

USA115th CongressHR-435| House 
| Updated: 6/26/2018
Keith Ellison

Keith Ellison

Democratic Representative

Minnesota

Cosponsors (30)
Mia B. Love (Republican)Robert Pittenger (Republican)Raúl M. Grijalva (Democratic)Lisa Blunt Rochester (Democratic)Steve Stivers (Republican)David N. Cicilline (Democratic)Carolyn B. Maloney (Democratic)Sanford D. Bishop (Democratic)Edward R. Royce (Republican)Steve Cohen (Democratic)Michael E. Capuano (Democratic)Vicente Gonzalez (Democratic)James B. Renacci (Republican)Luke Messer (Republican)Walter B. Jones (Republican)Al Green (Democratic)Andy Barr (Republican)John Conyers (Democratic)Gregory W. Meeks (Democratic)Eleanor Holmes Norton (Democratic)Bonnie Watson Coleman (Democratic)Jamie Raskin (Democratic)Janice D. Schakowsky (Democratic)Jerry McNerney (Democratic)Eddie Bernice Johnson (Democratic)Dennis A. Ross (Republican)Charlie Crist (Democratic)Scott R. Tipton (Republican)Sean P. Duffy (Republican)Gwen Moore (Democratic)

Financial Services Committee, Banking, Housing, and Urban Affairs Committee

  • Introduced
  • In Committee
  • On Floor
  • Passed Chamber
  • Enacted
Credit Access and Inclusion Act of 2017 (Sec. 2) 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.

Bill Text Versions

View Text
4 versions available

Suggested Questions

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Timeline
Jan 11, 2017
Introduced in House
Jan 11, 2017
Referred to the House Committee on Financial Services.
Dec 12, 2017
Committee Consideration and Mark-up Session Held.
Dec 13, 2017
Ordered to be Reported (Amended) by the Yeas and Nays: 60 - 0.
Dec 13, 2017
Committee Consideration and Mark-up Session Held.
Feb 16, 2018
Placed on the Union Calendar, Calendar No. 429.
Feb 16, 2018
Reported (Amended) by the Committee on Financial Services. H. Rept. 115-568.
Jun 25, 2018
Mr. Hill moved to suspend the rules and pass the bill, as amended.
Jun 25, 2018
Considered under suspension of the rules. (consideration: CR H5586-5587)
Jun 25, 2018
DEBATE - The House proceeded with forty minutes of debate on H.R. 435.
Jun 25, 2018
Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.(text: CR H5586-5587)
Jun 25, 2018
On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H5586-5587)
Jun 25, 2018
Motion to reconsider laid on the table Agreed to without objection.
Jun 26, 2018
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  • January 11, 2017
    Introduced in House


  • January 11, 2017
    Referred to the House Committee on Financial Services.


  • December 12, 2017
    Committee Consideration and Mark-up Session Held.


  • December 13, 2017
    Ordered to be Reported (Amended) by the Yeas and Nays: 60 - 0.


  • December 13, 2017
    Committee Consideration and Mark-up Session Held.


  • February 16, 2018
    Placed on the Union Calendar, Calendar No. 429.


  • February 16, 2018
    Reported (Amended) by the Committee on Financial Services. H. Rept. 115-568.


  • June 25, 2018
    Mr. Hill moved to suspend the rules and pass the bill, as amended.


  • June 25, 2018
    Considered under suspension of the rules. (consideration: CR H5586-5587)


  • June 25, 2018
    DEBATE - The House proceeded with forty minutes of debate on H.R. 435.


  • June 25, 2018
    Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.(text: CR H5586-5587)


  • June 25, 2018
    On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H5586-5587)


  • June 25, 2018
    Motion to reconsider laid on the table Agreed to without objection.


  • June 26, 2018
    Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Finance and Financial Sector

Related Bills

  • S 115-488: Encouraging Employee Ownership Act
  • HR 115-6147: Interior, Environment, Financial Services and General Government, Agriculture, Rural Development, Food and Drug Administration, and Transportation, Housing and Urban Development Appropriations Act, 2019
  • S 115-3040: 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.
  • HR 115-5078: TRID Improvement Act of 2018
Consumer creditDebt collectionLow- and moderate-income housingPublic utilities and utility rates

The Credit Access and Inclusion Act of 2017

USA115th CongressHR-435| House 
| Updated: 6/26/2018
Credit Access and Inclusion Act of 2017 (Sec. 2) 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.

Bill Text Versions

View Text
4 versions available

Suggested Questions

Get AI-generated questions to help you understand this bill better

Timeline
Jan 11, 2017
Introduced in House
Jan 11, 2017
Referred to the House Committee on Financial Services.
Dec 12, 2017
Committee Consideration and Mark-up Session Held.
Dec 13, 2017
Ordered to be Reported (Amended) by the Yeas and Nays: 60 - 0.
Dec 13, 2017
Committee Consideration and Mark-up Session Held.
Feb 16, 2018
Placed on the Union Calendar, Calendar No. 429.
Feb 16, 2018
Reported (Amended) by the Committee on Financial Services. H. Rept. 115-568.
Jun 25, 2018
Mr. Hill moved to suspend the rules and pass the bill, as amended.
Jun 25, 2018
Considered under suspension of the rules. (consideration: CR H5586-5587)
Jun 25, 2018
DEBATE - The House proceeded with forty minutes of debate on H.R. 435.
Jun 25, 2018
Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.(text: CR H5586-5587)
Jun 25, 2018
On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H5586-5587)
Jun 25, 2018
Motion to reconsider laid on the table Agreed to without objection.
Jun 26, 2018
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  • January 11, 2017
    Introduced in House


  • January 11, 2017
    Referred to the House Committee on Financial Services.


  • December 12, 2017
    Committee Consideration and Mark-up Session Held.


  • December 13, 2017
    Ordered to be Reported (Amended) by the Yeas and Nays: 60 - 0.


  • December 13, 2017
    Committee Consideration and Mark-up Session Held.


  • February 16, 2018
    Placed on the Union Calendar, Calendar No. 429.


  • February 16, 2018
    Reported (Amended) by the Committee on Financial Services. H. Rept. 115-568.


  • June 25, 2018
    Mr. Hill moved to suspend the rules and pass the bill, as amended.


  • June 25, 2018
    Considered under suspension of the rules. (consideration: CR H5586-5587)


  • June 25, 2018
    DEBATE - The House proceeded with forty minutes of debate on H.R. 435.


  • June 25, 2018
    Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.(text: CR H5586-5587)


  • June 25, 2018
    On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H5586-5587)


  • June 25, 2018
    Motion to reconsider laid on the table Agreed to without objection.


  • June 26, 2018
    Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Keith Ellison

Keith Ellison

Democratic Representative

Minnesota

Cosponsors (30)
Mia B. Love (Republican)Robert Pittenger (Republican)Raúl M. Grijalva (Democratic)Lisa Blunt Rochester (Democratic)Steve Stivers (Republican)David N. Cicilline (Democratic)Carolyn B. Maloney (Democratic)Sanford D. Bishop (Democratic)Edward R. Royce (Republican)Steve Cohen (Democratic)Michael E. Capuano (Democratic)Vicente Gonzalez (Democratic)James B. Renacci (Republican)Luke Messer (Republican)Walter B. Jones (Republican)Al Green (Democratic)Andy Barr (Republican)John Conyers (Democratic)Gregory W. Meeks (Democratic)Eleanor Holmes Norton (Democratic)Bonnie Watson Coleman (Democratic)Jamie Raskin (Democratic)Janice D. Schakowsky (Democratic)Jerry McNerney (Democratic)Eddie Bernice Johnson (Democratic)Dennis A. Ross (Republican)Charlie Crist (Democratic)Scott R. Tipton (Republican)Sean P. Duffy (Republican)Gwen Moore (Democratic)

Financial Services Committee, Banking, Housing, and Urban Affairs Committee

Finance and Financial Sector

Related Bills

  • S 115-488: Encouraging Employee Ownership Act
  • HR 115-6147: Interior, Environment, Financial Services and General Government, Agriculture, Rural Development, Food and Drug Administration, and Transportation, Housing and Urban Development Appropriations Act, 2019
  • S 115-3040: 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.
  • HR 115-5078: TRID Improvement Act of 2018
  • Introduced
  • In Committee
  • On Floor
  • Passed Chamber
  • Enacted
Consumer creditDebt collectionLow- and moderate-income housingPublic utilities and utility rates