This bill, known as the "End Tenant Credit Screening Act," amends the Fair Credit Reporting Act to prohibit housing providers from using consumer credit checks for tenant screening purposes. It specifically bans the use of consumer reports or investigative consumer reports that contain information related to a consumer's creditworthiness, credit standing, or credit capacity when evaluating rental applications, determining lease terms, or making tenant retention decisions. This prohibition applies even if the consumer consents to the credit check. However, an exception allows for the use of such reports when a housing provider is conducting a reconsideration of a previously denied rental application , enabling an individualized review process.