Latest action: Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 23.
Committee has approved the bill (usually with amendments) and sent it back to the full chamber.
The committee voted to send the bill to the floor of the full chamber. The Speaker of the House schedules a floor vote.
Next: Passed One Chamber
The other chamber (Senate or House) repeats the committee + floor-vote process
Allows credit bureaus to include utility and phone payment history in credit scores.
The problem
Millions of Americans lack credit histories, making it hard to get loans. Their bill payment behavior isn't tracked by traditional credit systems, preventing fair lending.
The proposal
Permits credit reporting agencies to add utility, phone, and rent payments to credit reports. Creates opt-in systems for consumers to voluntarily include this payment data in scoring.
The impact
Consumers without credit histories could build credit faster. Low-income and young adults most affected. Lenders gain more data. Financial companies gain new information sources.
Millions without traditional credit histories could demonstrate financial responsibility through utility bills. Young adults, immigrants, and low-income families benefit most. Expands access to fairer lending opportunities.
Consumers who pay utilities and phones on time get credit for that behavior. Encourages timely payments across all bills. Reflects real financial responsibility beyond just credit card usage.
Lenders have more data to make lending decisions. Could expand credit availability and potentially lower rates through better risk assessment. More competition in lending markets.
Consumers control whether to include this data. Protects privacy concerns by making participation opt-in. Allows people to decide what information to share.
More payment data collected and shared increases vulnerability to breaches. Utilities and phone companies store sensitive information. Consumers may not fully understand what data is shared.
One late utility bill could hurt credit scores more broadly. Increases risk for people facing temporary financial hardship. Makes recovery from payment problems harder.
New rules may create confusion about how this data is used and protected. Enforcement unclear. Companies might interpret rules differently.
Utility payment data may disproportionately affect low-income communities with higher payment difficulty rates. Could entrench existing inequalities in lending. Requires careful monitoring.
Generated by AI from the bill text. Not a prediction and not legal or policy advice. The percentage is the model's own rating of each item — self-reported, and not a measure of how accurate it is.
Loading map…
Loading...
0 citizens have already voted
Free · No spam · See how your representatives voted
Be the first to weigh in
Your vote starts the conversation
How citizen engagement works
Citizens vote & comment
Public opinion data is aggregated and updated in real time.
Patterns become visible
Representatives can see constituent sentiment broken down by district.
Your voice on the record
Contact your rep directly — one constituent call can shift a staffer's priority list.
Research shows that constituent contacts — especially calls — are among the most effective ways to influence a legislator's position on active bills.
Other bills in this policy area
S 5639
Portal for Appraisal Licensing Act of 2026
S 1564
Floodplain Enhancement and Recovery Act
HR 1190
Expanding Access to Capital for Rural Job Creators Act
HR 7730
Bankruptcy Threshold Adjustment Act
Individual contributions, grouped by employer · FEC
Where their individual donors work · 2026 cycle
Money from people who work there, not from the company. Not tied to this bill.
Itemized individual contributions via FEC, grouped by the employer each contributor self-reported. Companies and unions cannot contribute to federal candidates from their treasuries, so these totals are money from people who work at an employer — never from the organization itself. They are campaign contributions covering a full election cycle and are not connected to this bill.
Senate LDA lobbying disclosures
Couldn't load lobbying disclosures right now.