Credit Access and Inclusion Act of 2026
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Summary
This bill amends the Fair Credit Reporting Act to permit utility companies, telecommunications firms, and landlords to report consumer payment history on utilities, telecommunications services, and rental payments to credit reporting agencies. The bill allows energy utility firms to report payment information as current (rather than late) if a consumer is meeting obligations under a payment plan. Consumers may opt out of having such information reported. The bill also requires the Government Accountability Office to study the impact of these reporting practices on consumer credit scores within two years.
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How your representatives voted
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