Credit Access and Inclusion Act of 2018

Summary

Credit Access and Inclusion Act of 2018 This bill amends the Fair Credit Reporting Act to allow the reporting of certain positive consumer-credit information to consumer reporting agencies. Specifically, a person or the Department of Housing and Urban Development may report information related to a consumer's performance in making payments either under a lease agreement for a dwelling or pursuant to a contract for a utility or telecommunications service. However, information about a consumer's usage of any utility or telecommunications service may be reported only to the extent that the information relates to payment by the consumer for such service or other terms of the provision of that service. Furthermore, an energy-utility firm may not report a consumer's outstanding balance as late if the firm and the consumer have entered into a payment plan and the consumer is meeting the obligations of that plan. Specified provisions of the Consumer Credit Protection Act that establish civil liability with respect to furnishers of information to consumer reporting agencies shall not apply to any violation of the bill. The Government Accountability Office must report on the consumer impact of such reporting.

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

Timeline

1. 11 June 2018

   Introduced

   Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

   Source: IntroReferral

2. 11 June 2018

   Introduced

   Introduced in Senate

   Source: IntroReferral

3. 12 July 2018

   Committee

   Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 115-361.

   Source: Committee

Votes

No vote records are attached yet.

Versions

• Introduced in Senate · 11 June 2018 · Download file

Documents

3 official files

• Introduced in Senate (text)

  Introduced in Senate · EN · 11 June 2018

  ViewDownloadOpen at official source

• Introduced in Senate (PDF)

  Introduced in Senate · EN · 11 June 2018

  ViewDownloadOpen at official source

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• Introduced in Senate

  summary · EN · 11 June 2018

  Open at official source

  Leesvertaling

  Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.

  Vertaal naarNL · DutchDE · GermanFR · FrenchES · SpanishIT · ItalianPL · PolishPT · PortugueseSV · SwedishDA · DanishFI · FinnishEL · GreekCS · CzechHU · HungarianRO · RomanianBG · BulgarianHR · CroatianSK · SlovakSL · SlovenianLT · LithuanianLV · LatvianET · EstonianGA · IrishMT · Maltese

  Vertaal document

  Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

Sponsors

• Sen. Scott, Tim [R-SC] · R · Sponsor
• Sen. Manchin, Joe, III [D-WV] · D · Sponsor
• Sen. Tester, Jon [D-MT] · D · Cosponsor
• Sen. Jones, Doug [D-AL] · D · Cosponsor
• Sen. Rounds, Mike [R-SD] · R · Cosponsor
• Sen. Cotton, Tom [R-AR] · R · Cosponsor
• Sen. King, Angus S., Jr. [I-ME] · I · Cosponsor
• · ssbk00 · Standing

Related records

• related to → The Credit Access and Inclusion Act of 2017
• related to → TRID Improvement Act of 2018
• related to → Credit Access and Inclusion Act of 2019
• related to ← Interior, Environment, Financial Services and General Government, Agriculture, Rural Development, Food and Drug Administration, and Transportation, Housing and Urban Development Appropriations Act, 2019