Credit Access and Inclusion Act
Current understanding
The Credit Access and Inclusion Act of 2025 (HR5402) would amend the Fair Credit Reporting Act to permit reporting of additional payment data — such as utility, telecommunications, and rental payments — to consumer reporting agencies, with the goal of expanding credit file coverage for thin-file and no-file consumers. The bill was ordered reported (amended) by the House Financial Services Committee on a 28-23 vote and awaits floor action.
Evidence log
- 2025-01-09 — ESCRA Act: cross-connection with escra-act-croa-reform: Both address consumer credit file integrity — ESCRA regulates the credit repair intermediaries that dispute tradelines, while Credit Access and Inclusion Act expands the data furnished to credit files. (novelty: 3)
- 2026-06-18 — Expanding Access to Credit through Consumer-Permissioned Data Act: cross-connection with consumer-permissioned-data-credit-access: Both bills aim to broaden credit access for underserved/thin-file consumers — one via alternative rental/utility data furnishing, the other via consumer-permissioned financial account data. (novelty: 2)
- 2026-06-30 — Fair Credit Reporting Reseller Accuracy Act: cross-connection with fcra-reseller-accuracy-act: Parallel FCRA amendments advancing in the same committee markup — Credit Access and Inclusion Act expands furnishing scope (utility/telecom/rent), while the Reseller Accuracy Act tightens accuracy duties on downstream reseller CRAs. (novelty: 2)
- 2026-05-11 — Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to “Consumer Financial Protection Circular 2022-07: Reasonable Investigation of Consumer Reporting Disputes”.: cross-connection with cfpb-circular-2022-04-data-protection: Both touch the consumer reporting ecosystem — dispute-investigation standards (Circular 2022-07) and rules on what data is furnished into that ecosystem (Credit Access and Inclusion Act). (novelty: 2)
- 2026-06-30 — Credit Access and Inclusion Act of 2025: cross-connection with fcra-liability-harmonization: Both bills amend the Fair Credit Reporting Act and moved through the House Financial Services Committee in the same window — HR5402 expands what payment data furnishers may report, while HR5775 revises liability standards for FCRA violations. (novelty: 2)