Credit Access and Inclusion Act of 2025

Key Points

• This bill allows landlords, utility companies, and telecom providers to report on-time payments to credit bureaus. Currently, many of these payments only appear on credit reports when accounts go to collections, meaning people who pay on time get no credit-building benefit.
• The bill covers a broad range of services, including gas, electric, wireless, cable, and other connected utilities. It also specifically includes subsidized housing managed by the Department of Housing and Urban Development, so people in government-assisted housing can benefit too.
• Only payment-related information can be shared with credit bureaus. Details about how much energy, water, or other utilities a person actually uses cannot be reported, protecting consumer privacy.
• Energy utility companies cannot report a balance as late if a customer has entered a payment plan, debt forgiveness program, or arrearage management program and is meeting those obligations. This protects people going through tough financial times from having their credit harmed.
• The Government Accountability Office must study and report to Congress within two years on how this new reporting has affected consumers, providing accountability for whether the law is actually helping people.