This bill amends the Fair Credit Reporting Act (FCRA) to expand the types of consumer payment data that can be furnished to consumer reporting agencies. It specifically permits the reporting of information related to a consumer's payment performance under residential lease agreements , including those with Department of Housing and Urban Development subsidies. Additionally, it allows for the reporting of payment data for utility and telecommunication services , clarifying that this applies to payment for services rather than usage. A significant provision prevents energy utility firms from reporting an outstanding balance as late if the consumer and the firm have entered into an established payment plan , such as a deferred payment agreement or debt forgiveness program, and the consumer is meeting its terms. This aims to protect consumers who are actively working to resolve their debts, and furnishers of this new information will be subject to existing FCRA liability protections. Finally, the legislation mandates that the Comptroller General of the United States conduct a study and submit a report to Congress within two years of enactment to assess the impact of furnishing this expanded positive credit information on consumers.