Credit Access and Inclusion Act of 2025

[AI summary unavailable — showing source text] [Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 5402 Introduced in House (IH)] <DOC> 119th CONGRESS 1st Session H. R. 5402 To amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain full-file consumer credit information to consumer reporting agencies, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES September 16, 2025 Mrs. Kim (for herself and Ms. Bynum) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain full-file consumer credit information to consumer reporting agencies, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Credit Access and Inclusion Act of 2025''. SEC. 2. FULL-FILE REPORTING PERMITTED. (a) In General.--Section 623 of the Fair Credit Reporting Act (15 U.S.C. 1…