End Tenant Credit Screening Act
Sponsored By: Representative Frost, Maxwell [D-FL-10]
Introduced
Summary
Ends landlords' use of credit-based consumer reports for tenant screening. This bill would add a new subsection to the Fair Credit Reporting Act that bars housing providers from using consumer or investigative reports that bear on a tenant's creditworthiness to evaluate applications, set security deposits or lease terms, or decide retention, with a narrow exception for individualized reconsideration of a denial.
Show full summary
- Renters: Reduces the chance that credit history will be used to deny an application or raise deposit and lease costs.
- Housing providers: Prohibits relying on consumer reports that reflect credit standing for screening, though providers can accept a report submitted to support reconsidering a previous denial.
- Applicants denied: Creates a specific path to have an application reconsidered on an individualized basis using a submitted report.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Ban on credit checks for renters
If enacted, this bill would ban landlords and other housing providers from using credit reports to screen renters. They would not be allowed to use any consumer or investigative report that includes your credit standing, even if you agree. The ban would cover application approval, security deposits or other lease terms, and whether to keep a tenant. One narrow exception: a report could be used only to reconsider a past denial after a real, individualized review. A housing provider means anyone who rents out a home or apartment. No effective date is listed in the text provided.
Sponsors & CoSponsors
Sponsor
Frost, Maxwell [D-FL-10]
FL • D
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
No roll call votes available for this bill.
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