# 119-s-1465: Credit Access and Inclusion Act of 2025

119-s-1465, Credit Access and Inclusion Act of 2025, is a 119th Congress bill sponsored by Sen. Scott, Tim [R-SC] (R-SC); status introduced; PRIA reads it as touching household money (as of 2026-11-01).

- Canonical: https://policyrisk.com/legislation/119-s-1465
- As of: 2026-11-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-1465
- Congress: 119
- Title: Credit Access and Inclusion Act of 2025
- Status: introduced
- Introduced: 2025-04-10
- Sponsor: Sen. Scott, Tim [R-SC] (R-SC)
- Cosponsors: 4
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-11-01

## Summary

**Would expand credit reporting to include lease, rent, utility, and telecommunications payment information so more payment data can appear in consumer credit files.** It would also limit how much utility usage data can be reported and protect consumers on payment plans from late reporting while they meet agreed terms. - Would allow landlords and lease holders to furnish lease and rent payment records to consumer reporting agencies, explicitly including HUD-subsidized occupancy. - Would let energy, utility, and telecommunications firms report consumer payment performance but restrict reporting of actual utility usage to only what relates to payment, deposits, discounts, or interruption/termination rules. It bars energy utilities from reporting a balance as late when a consumer is meeting a payment plan. - Defines which firms may furnish this information and adjusts the Fair Credit Reporting Act liability language so the new reporting authority is encompassed by existing liability limits. - Requires the Comptroller General to submit a report to Congress within 2 years on the impact of furnishing information under the new subsection.

## Cosponsors (4)

- Sen. Rounds, Mike [R-SD] (R-SD), 2025-04-10T00:00:00.000Z
- Sen. Britt, Katie Boyd [R-AL] (R-AL), 2025-04-10T00:00:00.000Z
- Sen. Cramer, Kevin [R-ND] (R-ND), 2025-04-10T00:00:00.000Z
- Sen. Moreno, Bernie [R-OH] (R-OH), 2025-04-10T00:00:00.000Z

## Provisions PRIA read

- New credit reporting for rent and utilities: mixed, medium. If enacted, this bill would let companies and HUD send lease, rent, and utility or telecom payment histories to consumer credit reporting companies. Usage data could only be shared when it is tied to payment or service terms, like deposits, discounts, or conditions for service stoppage. Energy util…

## Related bills

- 119-s-3752: SAVE America Act
- 119-s-5025: Lindsey O. Graham Sanctioning Russia Act of 2026
- 119-s-875: FIRM Act
- 119-s-587: Death Tax Repeal Act of 2025
- 119-s-186: No Taxpayer Funding for Abortion and Abortion Insurance Full Disclosure Act of 2025
- 119-s-6: Born-Alive Abortion Survivors Protection Act

## Sources
- [119-s-1465 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/1465)

## Related
- [119-s-3752: SAVE America Act](https://policyrisk.com/legislation/119-s-3752)
- [119-s-5025: Lindsey O. Graham Sanctioning Russia Act of 2026](https://policyrisk.com/legislation/119-s-5025)
- [119-s-875: FIRM Act](https://policyrisk.com/legislation/119-s-875)
- [119-s-587: Death Tax Repeal Act of 2025](https://policyrisk.com/legislation/119-s-587)
- [119-s-186: No Taxpayer Funding for Abortion and Abortion Insurance Full Disclosure Act of…](https://policyrisk.com/legislation/119-s-186)
- [119-s-6: Born-Alive Abortion Survivors Protection Act](https://policyrisk.com/legislation/119-s-6)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-1465 (as of 2026-11-01).