IB 
Union Calendar No. 429 
115TH CONGRESS 
2D SESSION 
H. R. 435 
[Report No. 115–568] 
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 
JANUARY 11, 2017 
Mr. ELLISON (for himself, Mr. PITTENGER, Mrs. CAROLYN B. MALONEY of 
New York, Mr. DUFFY, Mr. AL GREEN of Texas, Mr. STIVERS, Mr. 
MEEKS, Mrs. LOVE, Mr. CAPUANO, Mr. RENACCI, Ms. MOORE, Mr. 
JONES, Mr. CONYERS, Mr. GRIJALVA, and Ms. SCHAKOWSKY) introduced 
the following bill; which was referred to the Committee on Financial Serv-
ices 
FEBRUARY 16, 2018 
Additional sponsors: Mr. CRIST, Mr. COHEN, Mr. GONZALEZ of Texas, Mr. 
TIPTON, Mr. BARR, Mr. ROSS, Mr. RASKIN, Mr. MCNERNEY, Ms. NOR-
TON, Mr. ROYCE of California, Ms. BLUNT ROCHESTER, Ms. EDDIE 
BERNICE JOHNSON of Texas, Mr. CICILLINE, Mrs. WATSON COLEMAN, 
Mr. BISHOP of Georgia, and Mr. MESSER 
FEBRUARY 16, 2018 
Reported with an amendment, committed to the Committee of the Whole 
House on the State of the Union, and ordered to be printed 
[Insert the part printed in italic] 
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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. 
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Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘The Credit Access and 
Inclusion Act of 2017’’. 
SEC. 2. POSITIVE CREDIT REPORTING PERMITTED. 
(a) IN GENERAL.—Section 623 of the Fair Credit 
Reporting Act (15 U.S.C. 1681s–2) is amended by adding 
at the end the following new subsection: 
‘‘(f) FULL-FILE CREDIT REPORTING.— 
‘‘(1) IN GENERAL.—Subject to the limitation in 
paragraph (2) and notwithstanding any other provi-
sion of law, a person or the Secretary of Housing 
and Urban Development may furnish to a consumer 
reporting agency information relating to the per-
formance of a consumer in making payments— 
‘‘(A) under a lease agreement with respect 
to a dwelling, including such a lease in which 
the Department of Housing and Urban Devel-
opment provides subsidized payments for occu-
pancy in a dwelling; or 
‘‘(B) pursuant to a contract for a utility or 
telecommunications service. 
‘‘(2) LIMITATION.—Information about a con-
sumer’s usage of any utility services provided by a 
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utility or telecommunication firm may be furnished 
to a consumer reporting agency only to the extent 
that such information relates to payment by the con-
sumer for the services of such utility or tele-
communication service or other terms of the provi-
sion of the services to the consumer, including any 
deposit, discount, or conditions for interruption or 
termination of the services. 
‘‘(3) PAYMENT PLAN.—An energy utility firm 
may not report payment information to a consumer 
reporting agency with respect to an outstanding bal-
ance of a consumer as late if— 
‘‘(A) the energy utility firm and the con-
sumer have entered into a payment plan (in-
cluding a deferred payment agreement, an ar-
rearage management program, or a debt for-
giveness program) with respect to such out-
standing balance; and 
‘‘(B) the consumer is meeting the obliga-
tions of the payment plan, as determined by the 
energy utility firm. 
‘‘(4) DEFINITIONS.—In this subsection, the fol-
lowing definitions shall apply: 
‘‘(A) ENERGY UTILITY FIRM.—The term 
‘energy utility firm’ means an entity that pro-
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vides gas or electric utility services to the pub-
lic. 
‘‘(B) UTILITY
OR
TELECOMMUNICATION 
FIRM.—The term ‘utility or telecommunication 
firm’ means an entity that provides utility serv-
ices to the public through pipe, wire, landline, 
wireless, cable, or other connected facilities, or 
radio, electronic, or similar transmission (in-
cluding the extension of such facilities).’’. 
(b) LIMITATION ON LIABILITY.—Section 623(c) of 
the Consumer Credit Protection Act (15 U.S.C. 1681s– 
2(c)) is amended— 
(1) in paragraph (2), by striking ‘‘or’’ at the 
end; 
(2) by redesignating paragraph (3) as para-
graph (4); and 
(3) by inserting after paragraph (2) the fol-
lowing new paragraph: 
‘‘(3) subsection (f) of this section, including any 
regulations issued thereunder; or’’. 
(c) GAO STUDY AND REPORT.—Not later than 2 years 
after the date of the enactment of this Act, the Comptroller 
General of the United States shall submit to Congress a re-
port on the impact of furnishing information pursuant to 
subsection (f) of section 623 of the Fair Credit Reporting 
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Act (15 U.S.C. 1681s–2) (as added by this Act) on con-
sumers. 
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Union Calendar No. 429 
115TH CONGRESS 
2D SESSION 
H. R. 435 
[Report No. 115–568] 
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. 
FEBRUARY 16, 2018 
Reported with an amendment, committed to the Com-
mittee of the Whole House on the State of the Union, 
and ordered to be printed 
VerDate Sep 11 2014 
21:12 Feb 16, 2018
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PO 00000
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