United States · Bill · HR
H.R. 8485 (117th)
Expanding Access to Credit through Consumer-Permissioned Data Act
Introduced
22 July 2022
Last action
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Status
Ordered to be Reported in the Nature of a Substitute (Amended) by the Yeas and Nays: 28 - 23.
Sponsors
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Subjects
Discovery layer
Source updated
15 May 2025
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.
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Documents
3 official files
Introduced in House (text)
Introduced in House (text)
Introduced in House · EN · 22 July 2022
Introduced in House (PDF)
Introduced in House · EN · 22 July 2022
Introduced in House
summary · EN · 22 July 2022
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Sources
PoliticalRepo is an index and interpretation layer, not the authoritative legal source.
- Official source: https://www.congress.gov/bill/117th-congress/house-bill/8485
- Open data entity: https://api.congress.gov/v3/bill/117/hr/8485