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New rules for reporting utility and rent payments to credit bureaus.

This act allows energy, telecommunication firms, and landlords to report payment history for services and rent to credit bureaus. This can help individuals without a credit history to build one, but it may also negatively impact credit scores in case of payment delays. Energy utility firms cannot report late payments if a customer adheres to a payment plan.
Key points
Energy utility firms, telecommunication firms, and landlords can report payment history for services and rent to credit bureaus.
This allows citizens to build or improve their credit history by making timely utility and rent payments.
Late payments for utilities or rent can negatively affect a credit score.
Energy utility firms cannot report late payments if a customer has a payment plan and is adhering to it.
A report assessing the impact of these changes on consumers will be prepared within two years.
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Status:
Expired
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Additional Information
Print number: 117_HR_8985
Sponsor: Rep. Hill, J. French [R-AR-2]
Process start date: 2022-09-26
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: gemini-2.5-flash
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Credit Access and Inclusion Act of 2022

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_8985.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2022-09-26.

What are the main provisions?

Key points include:

  • Energy utility firms, telecommunication firms, and landlords can report payment history for services and rent to credit bureaus.
  • This allows citizens to build or improve their credit history by making timely utility and rent payments.
  • Late payments for utilities or rent can negatively affect a credit score.
  • Energy utility firms cannot report late payments if a customer has a payment plan and is adhering to it.
  • A report assessing the impact of these changes on consumers will be prepared within two years.
What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Hill, J. French [R-AR-2].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Financial Services.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2026-01-02.

What is the impact of this bill?

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

CATEGORIES

Economy Courts and Law