US tracker

H.R. 5402

Credit Access and Inclusion Act of 2026

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

1 September 2026 | Reported by committee (Financial Services, as amended, H. Rept. 119-788)

What's next: Floor scheduling (leadership decides if and when it gets a vote)

Summary: 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.

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Posted 10 September 2026

As published — the exact text this tracker posted, kept verbatim for the record

H.R. 5402 | Credit Access and Inclusion Act of 2026 | Rep. Young Kim (R-CA) | Financial Services Committee 📅 1 September 2026 | 📋 Reported by committee (Financial Services, as amended, H. Rept. 119-788) What's next: Floor scheduling (leadership decides if and when it gets a vote) Summary: 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]

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