# 117-hr-8485: Expanding Access to Credit through Consumer-Permissioned Data Act

117-hr-8485, Expanding Access to Credit through Consumer-Permissioned Data Act, is a 117th Congress bill sponsored by Rep. Williams, Nikema [D-GA-5] (D-GA); status Ordered to be Reported in the Nature of a Substitute (Amended) by the Yeas and Nays: 28 - 23. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/117-hr-8485
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 117-hr-8485
- Congress: 117
- Title: Expanding Access to Credit through Consumer-Permissioned Data Act
- Status: Ordered to be Reported in the Nature of a Substitute (Amended) by the Yeas and Nays: 28 - 23.
- Introduced: 2022-07-22
- Sponsor: Rep. Williams, Nikema [D-GA-5] (D-GA)
- Cosponsors: 9
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Expanding Access to Credit through Consumer-Permissioned Data Act This bill requires the consideration of additional credit information by a mortgage lender when evaluating a consumer's creditworthiness if a consumer requests that this information be considered. This additional information includes current payment and transaction information such as bank statements and rental payment history. Mortgage lenders must provide notice to mortgage applicants of their rights under this bill. Additionally, federal agencies that insure, guarantee, supplement, assist, or underwrite federally backed mortgage loans must also comply with these requirements.

## Cosponsors (9)

- Rep. Lynch, Stephen F. [D-MA-8] (D-MA), 2022-07-26T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2022-07-26T00:00:00.000Z
- Rep. García, Jesús G. "Chuy" [D-IL-4] (D-IL), 2022-07-26T00:00:00.000Z
- Rep. Sherman, Brad [D-CA-32] (D-CA), 2022-07-26T00:00:00.000Z
- Rep. Adams, Alma S. [D-NC-12] (D-NC), 2022-07-26T00:00:00.000Z
- Rep. Torres, Ritchie [D-NY-15] (D-NY), 2022-07-26T00:00:00.000Z
- Rep. Dean, Madeleine [D-PA-4] (D-PA), 2022-07-26T00:00:00.000Z
- Rep. Green, Al [D-TX-9] (D-TX), 2022-07-26T00:00:00.000Z
- Rep. Garcia, Sylvia R. [D-TX-29] (D-TX), 2022-07-27T00:00:00.000Z

## Related bills

- 117-hr-2471: Consolidated Appropriations Act, 2022
- 117-hr-263: Big Cat Public Safety Act
- 117-hr-1842: Harriet Tubman Bicentennial Commemorative Coin Act
- 117-hres-1451: Original National Domestic Violence Awareness Month Resolution of 2022
- 117-hr-8297: Ensuring Women’s Right to Reproductive Freedom Act
- 117-hres-1152: Condemning the atrocity that occurred in Buffalo, New York, on May 14, 2022, in which 10 Americans were killed and 3 were injured, and in which 11 of the 13 vi…

## Sources
- [117-hr-8485 on Congress.gov](https://www.congress.gov/bill/117th-congress/house-bill/8485)

## Related
- [117-hr-2471: Consolidated Appropriations Act, 2022](https://policyrisk.com/legislation/117-hr-2471)
- [117-hr-263: Big Cat Public Safety Act](https://policyrisk.com/legislation/117-hr-263)
- [117-hr-1842: Harriet Tubman Bicentennial Commemorative Coin Act](https://policyrisk.com/legislation/117-hr-1842)
- [117-hres-1451: Original National Domestic Violence Awareness Month Resolution of 2022](https://policyrisk.com/legislation/117-hres-1451)
- [117-hr-8297: Ensuring Women’s Right to Reproductive Freedom Act](https://policyrisk.com/legislation/117-hr-8297)
- [117-hres-1152: Condemning the atrocity that occurred in Buffalo, New York, on May 14, 2022, in…](https://policyrisk.com/legislation/117-hres-1152)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/117-hr-8485 (as of 2025-11-18).