I 
118TH CONGRESS 
1ST SESSION H. R. 4560 
To amend the Fair Credit Reporting Act to prohibit consumer reporting 
agencies that furnish consumer reports for tenant screening purposes 
from providing certain information, to establish duties of users of con-
sumer reports for housing purposes, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JULY 11, 2023 
Ms. PRESSLEY (for herself, Ms. TLAIB, Ms. LEE of California, Ms. OCASIO- 
CORTEZ, Ms. SCHAKOWSKY, Ms. NORTON, Mr. GOMEZ, Mr. MCGOVERN, 
Mr. FROST, Mr. BOWMAN, Ms. CLARKE of New York, Mr. CASAR, Mr. 
JOHNSON of Georgia, Ms. OMAR, Ms. BUSH, and Ms. LEE of Pennsyl-
vania) introduced the following bill; which was referred to the Committee 
on Financial Services 
A BILL 
To amend the Fair Credit Reporting Act to prohibit con-
sumer reporting agencies that furnish consumer reports 
for tenant screening purposes from providing certain in-
formation, to establish duties of users of consumer re-
ports for housing purposes, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
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SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Housing for Formerly 
Incarcerated Reentry and Stable Tenancy Act’’ or the 
‘‘Housing FIRST Act’’. 
SEC. 2. DEFINITION OF TENANT SCREENING PURPOSES. 
(a) DEFINITION
OF
TENANT
SCREENING
PUR-
POSES.—Section 603(h) of the Fair Credit Reporting Act 
(15 U.S.C. 1681a(h)) is amended— 
(1) by inserting ‘‘EMPLOYMENT PURPOSES AND 
TENANT SCREENING PURPOSES.—’’ before ‘‘The 
term’’; 
(2) by striking ‘‘The term’’ and inserting the 
following: 
‘‘(1) EMPLOYMENT
PURPOSES.—The term’’; 
and 
(3) by adding at the end the following new 
paragraph: 
‘‘(2) TENANT
SCREENING
PURPOSES.—The 
term ‘tenant screening purposes’ when used in con-
nection with a consumer report means a report used 
for the purpose of evaluating a consumer for rental 
housing or retention as a renter or tenant.’’. 
(b) CONFORMING AMENDMENTS.—The Fair Credit 
Reporting Act (15 U.S.C. 1681 et seq.) is amended— 
(1) in section 603— 
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(A) in subsection (d)(1)(B), by inserting 
‘‘or tenant screening purposes’’ after ‘‘employ-
ment purposes’’; and 
(B) in subsection (k)— 
(i) in clause (iii), by striking ‘‘and’’ at 
the end; 
(ii) in clause (iv)(II), by striking the 
period at the end and inserting ‘‘; and’’; 
and 
(iii) by adding at the end the fol-
lowing: 
‘‘(v) a denial of housing or any other 
decision related to the provision of rental 
housing that adversely affects any current 
or prospective tenant or renter.’’; 
(2) in section 604(a)(3)(B), by inserting ‘‘or 
tenant screening purposes’’ after ‘‘employment pur-
poses’’; 
(3) in section 605A(i)(4)(I), by striking ‘‘em-
ployment, tenant, or background screening pur-
poses’’ and inserting ‘‘employment purposes, tenant 
screening purposes, or background screening pur-
poses’’; 
(4) in section 606(d)(2)— 
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(A) by inserting ‘‘or tenant screening pur-
poses’’ after ‘‘employment purposes’’; 
(B) by striking ‘‘of the consumer’’ and in-
serting ‘‘of the consumer, or by a housing pro-
vider or a prospective housing provider (as ap-
plicable)’’; and 
(C) by inserting ‘‘or fair housing’’ after 
‘‘equal employment opportunity’’; 
(5) in section 609(a)(3)(A)(i), by inserting ‘‘or 
tenant screening purposes’’ after ‘‘employment pur-
poses’’; and 
(6) in section 613— 
(A) in the section heading, by inserting 
‘‘OR TENANT SCREENING PURPOSES’’ after 
‘‘EMPLOYMENT PURPOSES’’; and 
(B) in subsection (a)— 
(i) in the matter preceding paragraph 
(1), by inserting ‘‘or tenant screening pur-
poses’’ after ‘‘employment purposes’’; and 
(ii) by inserting ‘‘or rental housing, as 
applicable,’’ after ‘‘obtain employment’’ 
each place it appears. 
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SEC. 3. PROHIBITION ON INFORMATION INCLUDED IN CON-
SUMER REPORTS FURNISHED FOR TENANT 
SCREENING PURPOSES. 
The Fair Credit Reporting Act (15 U.S.C. 1681 et 
seq.) is amended by inserting after section 605C the fol-
lowing new section: 
‘‘§ 605D. Consumer reports for tenant screening pur-
poses 
‘‘A consumer reporting agency that furnishes a con-
sumer report for tenant screening purposes shall not in-
clude any information relating to the following: 
‘‘(1) A record for an arrest. 
‘‘(2) Any juvenile adjudication or conviction, in-
cluding convictions or adjudications in which a juve-
nile was tried as an adult. 
‘‘(3) Non-criminal citations by State or local 
law enforcement agencies. 
‘‘(4) Any criminal case resolved through suc-
cessful completion of diversion, deferred adjudica-
tion, deferred entry of judgment, drug court, or a 
similar judicial program established under State law. 
‘‘(5) A conviction for which— 
‘‘(A) the consumer was sentenced and for 
which the consumer has completed the sentence; 
or 
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‘‘(B) the consumer is on probation or pa-
role. 
‘‘(6) An offense or offenses related to fees or 
back payments associated with court costs or incar-
ceration. 
‘‘(7) A record of a conviction or arrest that has 
been expunged, sealed, vacated, set aside, or subject 
to similar relief, or any conviction for which a con-
sumer has been pardoned or granted clemency.’’. 
SEC. 4. CONDITIONS FOR FURNISHING AND USING CON-
SUMER REPORTS FOR TENANT SCREENING 
PURPOSES. 
Section 604(b) of the Fair Credit Reporting Act (15 
U.S.C. 1681b(b)) is amended— 
(1) in the subsection heading, by inserting ‘‘OR 
TENANT SCREENING PURPOSES’’ after ‘‘EMPLOY-
MENT PURPOSES’’; 
(2) in paragraph (1)— 
(A) in the matter preceding subparagraph 
(A), by inserting ‘‘or tenant screening pur-
poses’’ after ‘‘employment purposes’’; and 
(B) in subparagraph (A)(ii), by inserting 
‘‘or fair housing’’ after ‘‘equal employment op-
portunity’’; 
(3) in paragraph (2)(A)— 
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(A) in the matter preceding clause (i), by 
inserting ‘‘or tenant screening purposes’’ after 
‘‘employment purposes’’; and 
(B) in clause (i), by inserting ‘‘or tenant 
screening purposes’’ after ‘‘employment pur-
poses’’; and 
(4) in paragraph (3)(A), by inserting ‘‘or ten-
ant screening purposes’’ after ‘‘employment pur-
poses’’. 
SEC. 5. CLARIFICATION FOR SOURCES OF INFORMATION. 
Section 609(a)(2) of the Fair Credit Reporting Act 
(15 U.S.C. 1681g(a)(2)) is amended by inserting ‘‘(includ-
ing any entity from whom the consumer reporting agency 
received such information)’’ after ‘‘the information’’. 
SEC. 6. DUTIES OF USERS OF CONSUMER REPORTS FOR 
HOUSING PURPOSES. 
Section 615 of the Fair Credit Reporting Act (15 
U.S.C. 1681m) is amended by adding at the end the fol-
lowing new subsection: 
‘‘(i) DUTIES OF USERS FOR TENANT SCREENING 
PURPOSES.—If a person who has procured a consumer re-
port of a consumer for tenant screening purposes or takes 
any adverse action, including denial of rental housing, 
against such consumer based wholly or in part on the re-
port, the person— 
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‘‘(1) shall provide to the consumer to whom the 
report relates a notice containing the information 
described in subsection (a) within 3 days after such 
adverse action; and 
‘‘(2) shall provide the specific reasons for such 
adverse action, including the information contained 
in the consumer report that resulted in the adverse 
action.’’. 
SEC. 7. PROHIBITION ON STATE REGULATION OF TIME LIM-
ITS FOR INFORMATION EXCLUDED FROM 
CONSUMER REPORTS. 
Section 625(b)(1)(E) of the Fair Credit Reporting 
Act (15 U.S.C. 1681t(b)(1)(E)) is amended— 
(1) by inserting ‘‘the time after which’’ after 
‘‘relating to’’; and 
(2) by inserting ‘‘becomes obsolete’’ after ‘‘con-
sumer reports’’. 
SEC. 8. ADDITIONAL EXCLUSION OF INFORMATION FROM 
CONSUMER REPORTS. 
Section 605(a)(5) of the Fair Credit Reporting Act 
(15 U.S.C. 1681c(a)(5)) is amended by striking ‘‘, other 
than records of convictions of crimes’’. 
SEC. 9. TECHNICAL AMENDMENT. 
Section 615(h)(8) of the Fair Credit Reporting Act 
(15 U.S.C. 1681m(h)(8)) is amended— 
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(1) in subparagraph (A), by striking ‘‘this sec-
tion’’ and inserting ‘‘this subsection’’; and 
(2) in subparagraph (B), by striking ‘‘This sec-
tion’’ and inserting ‘‘This subsection’’. 
Æ 
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