Allow utility and rental payments to be included in credit reports to help people build credit history.
One policy goal, tracked across every bill that has carried it.
What’s happening with Credit Access and Inclusion Act of 2025?
The Credit Access and Inclusion Act of 2025, known as H.R. 5402, remains in the House Financial Services Committee after a committee vote on June 29, 2026. The bill must be reported to the full House of Representatives to move forward, but it has not advanced since that date. Most bills fail because they never receive a committee vote, so this effort is further along than the vast majority of legislative proposals.
Updated July 9, 2026 · Generated by AI. Always verify with official sources.
Where it stands
Now carried by Credit Access and Inclusion Act of 2025 (H.R. 5402 (119th)) →
Legislative Progress
No action since June 2026
Next up: A house committee · Nothing moves until they act.
How we got here
Every bill that has carried this goal, oldest first.
Died with Congress · Jan 3, 2025
Died when the 118th Congress ended without final passage. Bills must be reintroduced under a new number to be revived.
Reintroduced · Jan 3, 2025
Reintroduced from S. 1654 (118th), which died when its Congress ended.
S. 1654 (118th) →Reintroduced · Jan 3, 2025
Reintroduced from H.R. 3418 (118th), which died when its Congress ended.
H.R. 3418 (118th) →
Vehicles
Who’s behind it
Young Kim (R-CA)Wrote and sponsored the current bill.