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United States · Bill · HR

H.R. 8485 (117th)

Expanding Access to Credit through Consumer-Permissioned Data Act

reportedUnited States· United States Congress· EN

Introduced

22 July 2022

Last action

27 July 2022 · Committee

Status

Ordered to be Reported in the Nature of a Substitute (Amended) by the Yeas and Nays: 28 - 23.

Sponsors

Rep. Williams, Nikema [D-GA-5], Rep. Lynch, Stephen F. [D-MA-8], Del. Norton, Eleanor Holmes [D-DC-At Large], Rep. García, Jesús G. "Chuy" [D-IL-4], Rep. Sherman, Brad [D-CA-32], Rep. Adams, Alma S. [D-NC-12], Rep. Torres, Ritchie [D-NY-15], Rep. Dean, Madeleine [D-PA-4], Rep. Green, Al [D-TX-9], Rep. Garcia, Sylvia R. [D-TX-29]

Subjects

Discovery layer

Source updated

15 May 2025

Official sourceDownload fileView documentsShare

Summary

Expanding Access to Credit through Consumer-Permissioned Data Act This bill requires the consideration of additional credit information by a mortgage lender when evaluating a consumer's creditworthiness if a consumer requests that this information be considered. This additional information includes current payment and transaction information such as bank statements and rental payment history. Mortgage lenders must provide notice to mortgage applicants of their rights under this bill. Additionally, federal agencies that insure, guarantee, supplement, assist, or underwrite federally backed mortgage loans must also comply with these requirements.

This text is taken from the official record. PoliticalRepo does not editorialize.

Timeline

  1. 22 July 2022

    Introduced

    Referred to the House Committee on Financial Services.

    Source: IntroReferral

  2. 22 July 2022

    Introduced

    Introduced in House

    Source: IntroReferral

  3. 22 July 2022

    Introduced

    Introduced in House

    Source: IntroReferral

  4. 27 July 2022

    Vote

    Ordered to be Reported in the Nature of a Substitute (Amended) by the Yeas and Nays: 28 - 23.

    Source: Committee

  5. 27 July 2022

    Committee

    Committee Consideration and Mark-up Session Held.

    Source: Committee

Votes

No vote records are attached yet.

Versions

Documents

3 official files

Introduced in House (text)

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  • Introduced in House (text)

    Introduced in House · EN · 22 July 2022

    ViewDownloadOpen at official source

  • Introduced in House (PDF)

    Introduced in House · EN · 22 July 2022

    ViewDownloadOpen at official source

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  • Introduced in House

    summary · EN · 22 July 2022

    Open at official source

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Sponsors

Related records

Sources

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