# 114-hr-4172: Credit Access and Inclusion Act of 2015

114-hr-4172, Credit Access and Inclusion Act of 2015, is a 114th Congress bill sponsored by Rep. Ellison, Keith [D-MN-5] (D-MN); status Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/114-hr-4172
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 114-hr-4172
- Congress: 114
- Title: Credit Access and Inclusion Act of 2015
- Status: Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral.
- Introduced: 2015-12-03
- Sponsor: Rep. Ellison, Keith [D-MN-5] (D-MN)
- Cosponsors: 34
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Credit Access and Inclusion Act of 2015 This bill amends the Fair Credit Reporting Act to authorize a person or the Department of Housing and Urban Development (HUD) to furnish to a consumer reporting agency information relating to the performance of a consumer in making payments: (1) under a lease agreement for a dwelling, including a lease in which HUD provides subsidized payments; or (2) pursuant to a contract for a utility or telecommunications service. Information about a consumer's usage of any utility or telecommunications services may be furnished to a consumer reporting agency only to the extent that such information relates to payment by the consumer for such services or other terms of the provision of such services, including any deposit, discount, or conditions for interruption or termination of service. An energy utility firm may not report payment information to a consumer reporting agency with respect to an outstanding balance of a consumer as late if the firm and the consumer have entered into a payment plan and the consumer is meeting the obligations of such plan. The bill amends the Consumer Credit Protection Act to make provisions regarding civil liability to consumers of persons for willful or negligent noncompliance with requirements imposed by such Act on credit reporting agencies inapplicable to any violation of this Act.

## Cosponsors (34)

- Rep. Fitzpatrick, Michael G. [R-PA-8] (R-PA), 2015-12-03T00:00:00.000Z
- Rep. Green, Al [D-TX-9] (D-TX), 2015-12-03T00:00:00.000Z
- Rep. Renacci, James B. [R-OH-16] (R-OH), 2015-12-03T00:00:00.000Z
- Rep. Moore, Gwen [D-WI-4] (D-WI), 2015-12-03T00:00:00.000Z
- Rep. Duffy, Sean P. [R-WI-7] (R-WI), 2015-12-03T00:00:00.000Z
- Rep. Himes, James A. [D-CT-4] (D-CT), 2015-12-03T00:00:00.000Z
- Rep. Mulvaney, Mick [R-SC-5] (R-SC), 2015-12-03T00:00:00.000Z
- Rep. Carney, John C., Jr. [D-DE-At Large] (D-DE), 2015-12-03T00:00:00.000Z
- Rep. Pittenger, Robert [R-NC-9] (R-NC), 2015-12-03T00:00:00.000Z
- RUBEN HINOJOSA (D-TX), 2015-12-03T00:00:00.000Z
- WALTER JONES (R-NC), 2015-12-03T00:00:00.000Z
- Rep. Grijalva, Raúl M. [D-AZ-7] (D-AZ), 2015-12-03T00:00:00.000Z
- Rep. Schweikert, David [R-AZ-1] (R-AZ), 2015-12-03T00:00:00.000Z
- Rep. Rush, Bobby L. [D-IL-1] (D-IL), 2015-12-03T00:00:00.000Z
- Rep. Love, Mia B. [R-UT-4] (R-UT), 2015-12-03T00:00:00.000Z
- Rep. McNerney, Jerry [D-CA-9] (D-CA), 2015-12-03T00:00:00.000Z
- Rep. Stivers, Steve [R-OH-15] (R-OH), 2015-12-03T00:00:00.000Z
- Rep. Blumenauer, Earl [D-OR-3] (D-OR), 2015-12-03T00:00:00.000Z
- Rep. Dold, Robert J. [R-IL-10] (R-IL), 2015-12-11T00:00:00.000Z
- JOHN CONYERS (D-MI), 2016-01-07T00:00:00.000Z
- MICHAEL CAPUANO (D-MA), 2016-02-08T00:00:00.000Z
- Rep. Meeks, Gregory W. [D-NY-5] (D-NY), 2016-02-23T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2016-03-14T00:00:00.000Z
- Rep. Kirkpatrick, Ann [D-AZ-1] (D-AZ), 2016-04-26T00:00:00.000Z
- Rep. Jackson Lee, Sheila [D-TX-18] (D-TX), 2016-04-28T00:00:00.000Z
- Rep. Sires, Albio [D-NJ-8] (D-NJ), 2016-05-03T00:00:00.000Z
- Rep. Norcross, Donald [D-NJ-1] (D-NJ), 2016-05-10T00:00:00.000Z
- Rep. Schakowsky, Janice D. [D-IL-9] (D-IL), 2016-05-16T00:00:00.000Z
- Rep. DeSaulnier, Mark [D-CA-10] (D-CA), 2016-05-23T00:00:00.000Z
- Rep. Cohen, Steve [D-TN-9] (D-TN), 2016-05-25T00:00:00.000Z
- Rep. Bera, Ami [D-CA-6] (D-CA), 2016-06-21T00:00:00.000Z
- Rep. Barr, Andy [R-KY-6] (R-KY), 2016-07-07T00:00:00.000Z
- Rep. Hastings, Alcee L. [D-FL-20] (D-FL), 2016-07-14T00:00:00.000Z
- Rep. Maloney, Carolyn B. [D-NY-12] (D-NY), 2016-09-28T00:00:00.000Z

## Related bills

- 114-hr-2737: Filipino Veterans of World War II Congressional Gold Medal Act of 2015
- 114-hr-699: Email Privacy Act
- 114-hr-3381: Childhood Cancer STAR Act
- 114-hr-4592: Naismith Memorial Basketball Hall of Fame Commemorative Coin Act
- 114-hr-3706: Reach Every Mother and Child Act of 2015
- 114-hr-1786: James Zadroga 9/11 Health and Compensation Reauthorization Act

## Sources
- [114-hr-4172 on Congress.gov](https://www.congress.gov/bill/114th-congress/house-bill/4172)

## Related
- [114-hr-2737: Filipino Veterans of World War II Congressional Gold Medal Act of 2015](https://policyrisk.com/legislation/114-hr-2737)
- [114-hr-699: Email Privacy Act](https://policyrisk.com/legislation/114-hr-699)
- [114-hr-3381: Childhood Cancer STAR Act](https://policyrisk.com/legislation/114-hr-3381)
- [114-hr-4592: Naismith Memorial Basketball Hall of Fame Commemorative Coin Act](https://policyrisk.com/legislation/114-hr-4592)
- [114-hr-3706: Reach Every Mother and Child Act of 2015](https://policyrisk.com/legislation/114-hr-3706)
- [114-hr-1786: James Zadroga 9/11 Health and Compensation Reauthorization Act](https://policyrisk.com/legislation/114-hr-1786)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/114-hr-4172 (as of 2025-11-18).