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Credit Access and Inclusion Act of 2022
Legislative Progress
Introduced
September 26, 2022
Latest Action
September 26, 2022
Primary Sponsor
J. French HillRepublican(AR)
Momentum (last 30 days)
0
score
0 actions · 0 new cosponsors · 0 votes
Speed vs cohort
0pct
0d open
vs 9,698 other HR bills in the 117th — cohort avg 63d
Credit Access and Inclusion Act of 2022 This bill allows for the reporting of certain positive consumer-credit information to consumer reporting agencies. Specifically, a person or the Department of Housing and Urban Development may report information related to a consumer's performance in making payments either under a lease agreement for a dwelling or pursuant to a contract for a utility or telecommunications service. However, information about a consumer's usage of any utility or telecommunications service may be reported only to the extent that the information relates to payment by the consumer for such service or other terms of the provision of that service. Furthermore, an energy-utility firm may not report a consumer's outstanding balance as late if the firm and the consumer have entered into a payment plan and the consumer is meeting the obligations of that plan. Specified provisions that establish civil liability with respect to furnishers of information to consumer reporting agencies shall not apply to any violation of the bill. The Government Accountability Office must report on the consumer impact of such reporting.
These links require the bill number to appear in the filing's source-reported specific issue text. Client expenses and lobbying-firm income are separate disclosure fields.
Filing registrants (5)
2022 · fourth_quarter · Accounting
Referred to the House Committee on Financial Services.
Introduced in House
Congress.gov source codes: 1000, Intro-H
Bills with similar content found using semantic analysis.
Sources: Congress.gov
H.R.8152 - American Data Privacy and Protection Act H.R.7900/S.4543 - National Defense Authorization Act 2023 S.2417/H.R.8985 - Credit Access and Inclusion Act of 2022
Client expense: $150,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · fourth_quarter · Banking
S.2417, Credit Access and Inclusion; provisions pertaining to consumer credit, alternative data and financial inclusion. H.R.4120, Comprehensive Credit Reform Act; provisions pertaining to consumer credit. Issues pertaining to consumer finance, consumer credit, buy now pay later lending, and treatment of medical debt in credit reporting. S.1838, Building Credit Access for Veterans Act, issues pertaining to alternative data and credit reporting. H.R.7526, Servicemembers' Credit Monitoring Enhancement Act, issues pertaining to credit monitoring. H.R.6814 Small Business Fair Debt Collection Protection Act, issues pertaining to fair debt collection. National Credit Reporting Agency Act, issues pertaining to credit reporting. H.R.2543, Federal Reserve Racial and Economic Equity Act, issues pertaining to alternative data in mortgage underwriting, negative information on credit reports, medical debt, and credit checks for employment. H.R.8985 Credit Access and Inclusion Act, issues pertaining to credit reporting . McHenry GLBA Modernization Proposal.
Client expense: $430,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · fourth_quarter · Financial Institutions/Investments/Securities
Legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 773, H.R. 1645, H.R. 2537, H.R. 2547, H.R. 4120, H.R. 7526, H.R. 7776, H.R. 7900, H.R. 8985, S. 214, S. 2417, and S. 4543.
Client expense: $360,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE
2022 · fourth_quarter · Financial Institutions/Investments/Securities
GSE Reform SRes5 - Fiscal Year 2021 Budget Resolution HR3684 - Infrastructure Investment and Jobs Act Discussions with the U.S. House of Representatives and the U.S. Senate regarding GSE reform. Communications with the House and Senate regarding raising the statutory debt limit and GSEs. GSE Loan Guarantees HR2617 - Consolidated Appropriations Act of 2023 PSPAs Discussions with the Senate Banking Committee regarding PSPAs. QM/QRM Discussions with the Senate Banking Committee regarding QM/QRM. TILA - Language Access HR3009 - Improving Language Access in Mortgage Servicing Act of 2021 Forbearance Programs Discussions with the Senate Banking Committee regarding mortgage forbearance programs. Credit Discrimination HR166 - Fair Lending for All Act HR8985 - Credit Access and Inclusion Act of 2022 Discussions with the House Financial Services Committee in support of Community Reinvestment Act (CRA) modernization efforts. Student Loan Debt Communications with the House and Senate regarding student loan debt. Commercial Real Estate HR4759 - Revitalizing Downtowns Act HR5041 - GREATER Revitalization of Shopping Centers Act of 2021 S2591 - Revitalizing Downtowns Act Rental Housing HR9062 - Respect State Housing Laws Act HR2617 - Consolidated Appropriations Act of 2023 Anti-Money Laundering HR5525 - ENABLERS Act HR2617 - Consolidated Appropriations Act of 2023 Downpayment Assistance Communications with the House and Senate regarding downpayment assistance policy proposals. Private equity in housing Communications with the House and Senate regarding the role of private equity in housing finance. Mortgage reform Communications with the House and Senate regarding mortgage reform policy proposals. FHFA Leadership Communications with the Senate supporting the confirmation of Sandra Thompson as FHFA Director. FHA Leadership Communications with the Senate supporting the confirmation of Julia Gordon as FHA Commissioner. Communications with the Federal Housing Finance Agency (FHFA) regarding condominium guidelines, appraisals, GSE Reform, G-fees, rental housing and property management issues. Discussions with the Financial Crimes Enforcement Network (FinCEN) within the Department of the Treasury regarding anti-money laundering regulations for real estate. Discussions with the White House regarding real estate and housing policy, including inventory and supply issues, affordability, fair housing programs and enforcement, bias in appraisals, and rental housing and property management issues.
Client expense: $25,260,000 · Firm income: Not reported
Government targets: Federal Housing Finance Agency (FHFA), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office
2022 · fourth_quarter · Civil Rights/Civil Liberties
Fair Housing Protections HR5 - Equality Act HR68 - Housing Fairness Act of 2021 HR2471 - Consolidated Appropriations Act, 2022 HR2617 - Consolidated Appropriations Act, 2023 S769 - Housing Fairness Act of 2021 S2549 - Mapping Housing Discrimination Act Conversations with the House Select Committee regarding fair housing policy. Disparate Impact HR5376 - Inflation Reduction Act of 2022 Credit Discrimination HR166 - Fair Lending for All Act HR2617 - Consolidated Appropriations Act, 2023 HR8985 - Credit Access and Inclusion Act of 2022 Conversations with the House Financial Services Committee regarding Community Redevelopment Act (CRA) modernization. TILA - Language Access HR3009 - Improving Language Access in Mortgage Servicing Act of 2021 Discrimination in Valuations HR2553 - Real Estate Valuation Fairness and Improvement Act of 2021 Student Loan Debt Communications with the Senate Banking Committee regarding impact of student loan debt on racial justice, borrowers, and the economy Equal Access to Housing and Financial Services Statement for the Record: HFSC Hearing Justice for All: Achieving Racial Equity Through Access to Housing and Financial Services Racial Discrimination in Housing Letter to the Senate Banking Committee for its hearing Separate and Unequal: The Legacy of Racial Discrimination in Housing Unlocking Possibilities Program HR5376 - Inflation Reduction Act of 2022 Downpayment Assistance HR4495 - Downpayment Toward Equity Act Fair Lending Conversations with the Senate Banking Committee regarding fair lending practices and policies. Conversations with the U.S. House of Representatives and the U.S. Senate regarding Fair Housing and downpayment issues. Communications with the Department of Housing and Urban Development regarding homeownership initiatives, appraisal bias.
Client expense: $25,260,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE
2022 · fourth_quarter · Banking
S.2417, Credit Access and Inclusion; provisions pertaining to consumer credit, alternative data and financial inclusion. H.R.4120, Comprehensive Credit Reform Act; provisions pertaining to consumer credit. Issues pertaining to consumer finance, consumer credit, buy now pay later lending, and treatment of medical debt in credit reporting. S.1838, Building Credit Access for Veterans Act, issues pertaining to alternative data and credit reporting. H.R.7526, Servicemembers' Credit Monitoring Enhancement Act, issues pertaining to credit monitoring. H.R.6814 Small Business Fair Debt Collection Protection Act, issues pertaining to fair debt collection. National Credit Reporting Agency Act, issues pertaining to credit reporting. H.R.2543, Federal Reserve Racial and Economic Equity Act, issues pertaining to alternative data in mortgage underwriting, negative information on credit reports, medical debt, and credit checks for employment. H.R.8985 Credit Access and Inclusion Act, issues pertaining to credit reporting . McHenry GLBA Modernization Proposal.
Client expense: $430,000 · Firm income: Not reported
2022 · fourth_quarter · Accounting
H.R.8152 - American Data Privacy and Protection Act H.R.7900/S.4543 - National Defense Authorization Act 2023 S.2417/H.R.8985 - Credit Access and Inclusion Act of 2022
Client expense: $150,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · third_quarter · Civil Rights/Civil Liberties
Fair Housing Protections HR5 - Equality Act HR68 - Housing Fairness Act of 2021 HR2471 - Consolidated Appropriations Act, 2022 S769 - Housing Fairness Act of 2021 S2549 - Mapping Housing Discrimination Act Conversations with the House Select Committee regarding fair housing policy. Disparate Impact HR5376 - Inflation Reduction Act of 2022 Credit Discrimination HR166 - Fair Lending for All Act HR8985 - Credit Access and Inclusion Act of 2022 Conversations with the House Financial Services Committee regarding Community Redevelopment Act (CRA) modernization. TILA - Language Access HR3009 - Improving Language Access in Mortgage Servicing Act of 2021 Discrimination in Valuations HR2553 - Real Estate Valuation Fairness and Improvement Act of 2021 Student Loan Debt Communications with the Senate Banking Committee regarding impact of student loan debt on racial justice, borrowers, and the economy Equal Access to Housing and Financial Services Statement for the Record: HFSC Hearing Justice for All: Achieving Racial Equity Through Access to Housing and Financial Services Racial Discrimination in Housing Letter to the Senate Banking Committee for its hearing Separate and Unequal: The Legacy of Racial Discrimination in Housing Unlocking Possibilities Program HR5376 - Inflation Reduction Act of 2022 Downpayment Assistance HR4495 - Downpayment Toward Equity Act Fair Lending Conversations with the Senate Banking Committee regarding fair lending practices and policies. Conversations with the U.S. House of Representatives and the U.S. Senate regarding Fair Housing and downpayment issues.
Client expense: $29,260,000 · Firm income: Not reported
2022 · third_quarter · Financial Institutions/Investments/Securities
GSE Reform SRes5 - Fiscal Year 2021 Budget Resolution HR3684 - Infrastructure Investment and Jobs Act Discussions with the U.S. House of Representatives and the U.S. Senate regarding GSE reform. Communications with the House and Senate regarding raising the statutory debt limit and GSEs. PSPAs Discussions with the Senate Banking Committee regarding PSPAs. QM/QRM Discussions with the Senate Banking Committee regarding QM/QRM. TILA - Language Access HR3009 - Improving Language Access in Mortgage Servicing Act of 2021 Forbearance Programs Discussions with the Senate Banking Committee regarding mortgage forbearance programs. Credit Discrimination HR166 - Fair Lending for All Act HR8985 - Credit Access and Inclusion Act of 2022 Discussions with the House Financial Services Committee in support of Community Reinvestment Act (CRA) modernization efforts. Student Loan Debt Communications with the House and Senate regarding student loan debt. Commercial Real Estate HR4759 - Revitalizing Downtowns Act HR5041 - GREATER Revitalization of Shopping Centers Act of 2021 S2591 - Revitalizing Downtowns Act Rental Housing HR9062 - Respect State Housing Laws Act Anti-Money Laundering HR5525 - ENABLERS Act Downpayment Assistance Communications with the House and Senate regarding downpayment assistance policy proposals. Private equity in housing Communications with the House and Senate regarding the role of private equity in housing finance. Mortgage reform Communications with the House and Senate regarding mortgage reform policy proposals. FHFA Leadership Communications with the Senate supporting the confirmation of Sandra Thompson as FHFA Director. FHA Leadership Communications with the Senate supporting the confirmation of Julia Gordon as FHA Commissioner. Communications with the Federal Housing Finance Agency (FHFA) regarding PAVE and condominium guidelines. Discussions with the Financial Crimes Enforcement Network (FinCEN) within the Department of the Treasury regarding anti-money laundering regulations for real estate. Discussions with the Appraisal Subcommittee regarding PAVE, the AQB for fair housing training. Discussions with the White House regarding real estate and housing policy, including inventory and supply issues, affordability, fair housing programs and enforcement, bias in appraisals, and rental housing. Communications with the National Economic Council (NEC) regarding mortgage insurance premium reductions. Communications with the Federal Reserve Board regarding Community Reinvestment Act (CRA) modernization. Communications with the Federal Deposit Insurance Corporation regarding Community Reinvestment Act (CRA) modernization. Communications with the Office of the Comptroller of the Currency within the Treasury Department regarding Community Reinvestment Act (CRA) modernization.
2022 · third_quarter · Banking
Issues relating to the treatment of medical debt in credit reporting, issues pertaining to credit reporting, Credit Access and Inclusion Act (H.R. 8985).
Client expense: Not reported · Firm income: $50,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2022 · third_quarter · Banking
S.2417, Credit Access and Inclusion; provisions pertaining to consumer credit, alternative data and financial inclusion. H.R.4120, Comprehensive Credit Reform Act; provisions pertaining to consumer credit. Issues pertaining to consumer credit, buy now pay later lending, and treatment of medical debt in credit reporting. S.1838, Building Credit Access for Veterans Act, issues pertaining to alternative data and credit reporting. H.R.7526, Servicemembers' Credit Monitoring Enhancement Act, issues pertaining to credit monitoring. H.R.6814 Small Business Fair Debt Collection Protection Act, issues pertaining to fair debt collection. H.R.4521, America COMPETES Act of 2022, provisions pertaining to Digital Identity, the INFORM Act, and SAFE banking. National Credit Reporting Agency Act, issues pertaining to credit reporting. H.R.2543, Federal Reserve Racial and Economic Equity Act, issues pertaining to alternative data in mortgage underwriting, negative information on credit reports, medical debt, and credit checks for employment. H.R.8985 Credit Access and Inclusion Act, issues pertaining to credit reporting .
Client expense: $530,000 · Firm income: Not reported
2022 · third_quarter · Financial Institutions/Investments/Securities
Legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 773, H.R. 1645, H.R. 2537, H.R. 2547, H.R. 4120, S. 214, S. 2417, H.R. 7526, H.R. 8985, H.R. 7900, and S. 4543.
Client expense: $360,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE
2022 · third_quarter · Accounting
H.R.8152 - American Data Privacy and Protection Act H.R.7900/S.4543 - National Defense Authorization Act 2023 S.2417/H.R.8985 - Credit Access and Inclusion Act of 2022
Client expense: $230,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
| Republican |
| CA |
| Tom Emmer | Republican | MN |
| Young Kim | Republican | CA |
Government targets: HOUSE OF REPRESENTATIVES, SENATE
Government targets: HOUSE OF REPRESENTATIVES, SENATE
Client expense: $29,260,000 · Firm income: Not reported
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of, White House Office
Government targets: HOUSE OF REPRESENTATIVES, SENATE