# 119-hr-9380: Expanding Access to Credit through Consumer-Permissioned Data Act

119-hr-9380, Expanding Access to Credit through Consumer-Permissioned Data Act, is a 119th Congress bill sponsored by Rep. Williams, Nikema [D-GA-5] (D-GA); status introduced; PRIA reads it as touching household money (as of 2026-07-08).

- Canonical: https://policyrisk.com/legislation/119-hr-9380
- As of: 2026-07-08
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-9380
- Congress: 119
- Title: Expanding Access to Credit through Consumer-Permissioned Data Act
- Status: introduced
- Introduced: 2026-06-18
- Sponsor: Rep. Williams, Nikema [D-GA-5] (D-GA)
- Cosponsors: 4
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-07-08

## Summary

**Requires creditors to consider consumer-permissioned alternative credit data when evaluating mortgage applications.** This would let applicants ask lenders to use bank statements, rental payments, and other transaction data to show creditworthiness when traditional credit reports fall short. - Families and borrowers: Would let people with thin or nontraditional credit histories submit rental payments, bank transactions, and similar records to support a mortgage application. - Lenders and underwriting systems: Would require creditors to weigh that alternative data the same as credit bureau information unless regulators find a material misrepresentation, and automated underwriting must be able to accept it. - Regulators and notices: The Consumer Financial Protection Bureau would provide standardized notice language in the eight most common limited-English languages and must issue final rules within 18 months, working with housing and federal mortgage agencies.

## Cosponsors (4)

- Rep. Garcia, Sylvia R. [D-TX-29] (D-TX), 2026-06-18T00:00:00.000Z
- Rep. Watson Coleman, Bonnie [D-NJ-12] (D-NJ), 2026-06-18T00:00:00.000Z
- Rep. Adams, Alma S. [D-NC-12] (D-NC), 2026-06-18T00:00:00.000Z
- Rep. Moore, Gwen [D-WI-4] (D-WI), 2026-06-18T00:00:00.000Z

## Provisions PRIA read

- More mortgage data you control: benefit, medium. You would be able to ask a mortgage lender to consider extra credit information that is not in credit reports. To use this, you must request consideration, authorize sharing, and say that credit-report data does not fully reflect your creditworthiness. Examples include recent bank statements, renta…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-7973: Momnibus Act
- 119-hr-3971: Domestic Workers Bill of Rights Act
- 119-hr-5361: George Floyd Justice in Policing Act of 2025
- 119-hr-2045: Medicare Dental, Vision, and Hearing Benefit Act of 2025
- 119-hr-51: Washington, D.C. Admission Act

## Sources
- [119-hr-9380 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/9380)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-3971: Domestic Workers Bill of Rights Act](https://policyrisk.com/legislation/119-hr-3971)
- [119-hr-5361: George Floyd Justice in Policing Act of 2025](https://policyrisk.com/legislation/119-hr-5361)
- [119-hr-2045: Medicare Dental, Vision, and Hearing Benefit Act of 2025](https://policyrisk.com/legislation/119-hr-2045)
- [119-hr-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-hr-51)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-9380 (as of 2026-07-08).