I 

114TH CONGRESS 

1ST SESSION H. R. 4172 

To amend the Fair Credit Reporting Act to clarify Federal law with respect 

to reporting certain positive consumer credit information to consumer 

reporting agencies, and for other purposes. 

IN THE HOUSE OF REPRESENTATIVES 

DECEMBER 3, 2015 

Mr. ELLISON (for himself, Mr. FITZPATRICK, Mr. AL GREEN of Texas, Mr. 

RENACCI, Ms. MOORE, Mr. DUFFY, Mr. HIMES, Mr. MULVANEY, Mr. 

CARNEY, Mr. PITTENGER, Mr. HINOJOSA, Mr. JONES, Mr. GRIJALVA, 

Mr. SCHWEIKERT, Mr. RUSH, Mrs. LOVE, Mr. MCNERNEY, Mr. STIVERS, 

and Mr. BLUMENAUER) 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 positive consumer 

credit information to consumer reporting agencies, and 

for other purposes. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘The Credit Access and 

5 Inclusion Act of 2015’’. 


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1 SEC. 2. POSITIVE CREDIT REPORTING PERMITTED. 

2 (a) IN GENERAL.—Section 623 of the Fair Credit 

3 Reporting Act (15 U.S.C. 1681s–2) is amended by adding 

4 at the end the following new subsection: 

5 ‘‘(f) FULL-FILE CREDIT REPORTING.— 

6 ‘‘(1) IN GENERAL.—Subject to the limitation in 

7 paragraph (2) and notwithstanding any other provi8 sion of law, a person or the Secretary of Housing 

9 and Urban Development may furnish to a consumer 

10 reporting agency information relating to the per11 formance of a consumer in making payments— 

12 ‘‘(A) under a lease agreement with respect 

13 to a dwelling, including such a lease in which 

14 the Department of Housing and Urban Devel15 opment provides subsidized payments for occu16 pancy in a dwelling; or 

17 ‘‘(B) pursuant to a contract for a utility or 

18 telecommunications service. 

19 ‘‘(2) LIMITATION.—Information about a con20 sumer’s usage of any utility services provided by a 

21 utility or telecommunication firm may be furnished 

22 to a consumer reporting agency only to the extent 

23 that such information relates to payment by the con24 sumer for the services of such utility or tele25 communication service or other terms of the provi26 sion of the services to the consumer, including any 


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1 deposit, discount, or conditions for interruption or 

2 termination of the services. 

3 ‘‘(3) PAYMENT PLAN.—An energy utility firm 

4 may not report payment information to a consumer 

5 reporting agency with respect to an outstanding bal6 ance of a consumer as late if— 

7 ‘‘(A) the energy utility firm and the con8 sumer have entered into a payment plan (in9 cluding a deferred payment agreement, an ar10 rearage management program, or a debt for11 giveness program) with respect to such out12 standing balance; and 

13 ‘‘(B) the consumer is meeting the obliga14 tions of the payment plan, as determined by the 

15 energy utility firm. 

16 ‘‘(4) DEFINITIONS.—In this subsection, the fol17 lowing definitions shall apply: 

18 ‘‘(A) ENERGY UTILITY FIRM.—The term 

19 ‘energy utility firm’ means an entity that pro20 vides gas or electric utility services to the pub21 lic. 

22 ‘‘(B) UTILITY OR TELECOMMUNICATION

23 FIRM.—The term ‘utility or telecommunication 

24 firm’ means an entity that provides utility serv25 ices to the public through pipe, wire, landline, 


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1 wireless, cable, or other connected facilities, or 

2 radio, electronic, or similar transmission (in3 cluding the extension of such facilities).’’. 

4 (b) LIMITATION ON LIABILITY.—Section 623(c) of 

5 the Consumer Credit Protection Act (15 U.S.C. 1681s– 

6 2(c)) is amended— 

7 (1) in paragraph (2), by striking ‘‘or’’ at the 

8 end; 

9 (2) by redesignating paragraph (3) as para10 graph (4); and 

11 (3) by inserting after paragraph (2) the fol12 lowing new paragraph: 

13 ‘‘(3) subsection (f) of this section, including any 

14 regulations issued thereunder; or’’. 

Æ 


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