# 115-hr-435: The Credit Access and Inclusion Act of 2017

115-hr-435, The Credit Access and Inclusion Act of 2017, is a 115th Congress bill sponsored by Rep. Ellison, Keith [D-MN-5] (D-MN); status Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/115-hr-435
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 115-hr-435
- Congress: 115
- Title: The Credit Access and Inclusion Act of 2017
- Status: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Introduced: 2017-01-11
- Sponsor: Rep. Ellison, Keith [D-MN-5] (D-MN)
- Cosponsors: 30
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Credit Access and Inclusion Act of 2017 This bill amends the Fair Credit Reporting Act to allow the reporting of certain positive consumer-credit information to consumer reporting agencies. Specifically, a person or the Department of Housing and Urban Development may report information related to a consumer's performance in making payments either under a lease agreement for a dwelling or pursuant to a contract for a utility or telecommunications service. However, information about a consumer's usage of any utility or telecommunications service may be reported only to the extent that the information relates to payment by the consumer for such service or other terms of the provision of that service. Furthermore, an energy-utility firm may not report a consumer's outstanding balance as late if the firm and the consumer have entered into a payment plan and the consumer is meeting the obligations of that plan. Specified provisions of the Consumer Credit Protection Act that establish civil liability with respect to furnishers of information to consumer reporting agencies shall not apply to any violation of the bill.

## Cosponsors (30)

- Rep. Pittenger, Robert [R-NC-9] (R-NC), 2017-01-11T00:00:00.000Z
- Rep. Maloney, Carolyn B. [D-NY-12] (D-NY), 2017-01-11T00:00:00.000Z
- Rep. Duffy, Sean P. [R-WI-7] (R-WI), 2017-01-11T00:00:00.000Z
- Rep. Green, Al [D-TX-9] (D-TX), 2017-01-11T00:00:00.000Z
- Rep. Stivers, Steve [R-OH-15] (R-OH), 2017-01-11T00:00:00.000Z
- Rep. Meeks, Gregory W. [D-NY-5] (D-NY), 2017-01-11T00:00:00.000Z
- Rep. Love, Mia B. [R-UT-4] (R-UT), 2017-01-11T00:00:00.000Z
- MICHAEL CAPUANO (D-MA), 2017-01-11T00:00:00.000Z
- Rep. Renacci, James B. [R-OH-16] (R-OH), 2017-01-11T00:00:00.000Z
- Rep. Moore, Gwen [D-WI-4] (D-WI), 2017-01-11T00:00:00.000Z
- WALTER JONES (R-NC), 2017-01-11T00:00:00.000Z
- JOHN CONYERS (D-MI), 2017-01-11T00:00:00.000Z
- Rep. Grijalva, Raúl M. [D-AZ-7] (D-AZ), 2017-01-11T00:00:00.000Z
- Rep. Schakowsky, Janice D. [D-IL-9] (D-IL), 2017-01-11T00:00:00.000Z
- Rep. Crist, Charlie [D-FL-13] (D-FL), 2017-06-20T00:00:00.000Z
- Rep. Cohen, Steve [D-TN-9] (D-TN), 2017-06-20T00:00:00.000Z
- Rep. Gonzalez, Vicente [D-TX-34] (D-TX), 2017-06-20T00:00:00.000Z
- Rep. Tipton, Scott R. [R-CO-3] (R-CO), 2017-06-22T00:00:00.000Z
- Rep. Barr, Andy [R-KY-6] (R-KY), 2017-07-03T00:00:00.000Z
- Rep. Ross, Dennis A. [R-FL-15] (R-FL), 2017-07-18T00:00:00.000Z
- Rep. Raskin, Jamie [D-MD-8] (D-MD), 2017-08-29T00:00:00.000Z
- Rep. McNerney, Jerry [D-CA-9] (D-CA), 2017-10-31T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2017-11-28T00:00:00.000Z
- ED ROYCE (R-CA), 2017-12-07T00:00:00.000Z
- Sen. Blunt Rochester, Lisa [D-DE] (D-DE), 2017-12-07T00:00:00.000Z
- Rep. Johnson, Eddie Bernice [D-TX-30] (D-TX), 2017-12-12T00:00:00.000Z
- Rep. Cicilline, David N. [D-RI-1] (D-RI), 2017-12-12T00:00:00.000Z
- Rep. Watson Coleman, Bonnie [D-NJ-12] (D-NJ), 2017-12-12T00:00:00.000Z
- Rep. Bishop, Sanford D. [D-GA-2] (D-GA), 2017-12-12T00:00:00.000Z
- Rep. Messer, Luke [R-IN-6] (R-IN), 2017-12-22T00:00:00.000Z

## Related bills

- 115-hr-2519: The American Legion 100th Anniversary Commemorative Coin Act
- 115-hr-1235: Naismith Memorial Basketball Hall of Fame Commemorative Coin Act
- 115-hr-299: Blue Water Navy Vietnam Veterans Act of 2018
- 115-hr-2740: Rabbi Michoel Ber Weissmandl Congressional Gold Medal Act of 2017 (sic)
- 115-hr-1017: Removing Barriers to Colorectal Cancer Screening Act of 2017
- 115-hr-1861: Larry Doby Congressional Gold Medal Act

## Sources
- [115-hr-435 on Congress.gov](https://www.congress.gov/bill/115th-congress/house-bill/435)

## Related
- [115-hr-2519: The American Legion 100th Anniversary Commemorative Coin Act](https://policyrisk.com/legislation/115-hr-2519)
- [115-hr-1235: Naismith Memorial Basketball Hall of Fame Commemorative Coin Act](https://policyrisk.com/legislation/115-hr-1235)
- [115-hr-299: Blue Water Navy Vietnam Veterans Act of 2018](https://policyrisk.com/legislation/115-hr-299)
- [115-hr-2740: Rabbi Michoel Ber Weissmandl Congressional Gold Medal Act of 2017 (sic)](https://policyrisk.com/legislation/115-hr-2740)
- [115-hr-1017: Removing Barriers to Colorectal Cancer Screening Act of 2017](https://policyrisk.com/legislation/115-hr-1017)
- [115-hr-1861: Larry Doby Congressional Gold Medal Act](https://policyrisk.com/legislation/115-hr-1861)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/115-hr-435 (as of 2025-11-18).