H.R. 5402

Credit Access and Inclusion Act of 2026

Financial Services Committee · Rep. Young Kim (R-CA)

The bill would expand what positive financial information can be reported to credit agencies, allowing reports on whether consumers pay their rent, utilities, and telecommunications bills on time. It would also protect consumers in payment plans with energy companies from being marked as delinquent, and it would require a government study on how this expanded reporting affects consumers' credit access and financial well-being.[AI-Generated]

Reported by committee 1 September 2026

Record as of 1 September 2026 — the most recent action in the official record. Status can lag; each step below carries its own date.

1 September 2026 Reported by committee
What's next: Floor scheduling (leadership decides if and when it gets a vote)
1 September 2026 Placed on calendar (House)
2 more actions
1. 30 June 2026 Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 23.
2. 30 June 2026 Committee Consideration and Mark-up Session Held
16 September 2025 Referred to committee
16 September 2025 Introduced in House

This path starts where the bill does — its first action in the official record. Routine procedural steps sit in the “more actions” rows above rather than on the main line.

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