118th Congress Finance and Financial Sector
H.R. 4560: Housing FIRST Act
Introduced
- Introduced (completed)
- Passed House (not reached)
- Passed Senate (not reached)
- To the President (not reached)
- Became law (not reached)
Summary
This bill limits the information allowed to be shared on credit reports and considered in housing decisions, including certain criminal background information.
First, the bill prohibits a consumer reporting agency from including specified information on a consumer credit report provided for tenant screening purposes, such as arrests, juvenile adjudications or convictions, civil citations, resolved criminal cases (e.g., through completion of a diversion program), and convictions with completed sentences.
Further, the bill restricts the use of consumer credit reports for tenant screening. A person who obtains such a report must not use it in violation of fair housing laws and must disclose its use to the consumer. When taking adverse action based on the report, a person must provide the consumer with a copy of the report, the specific reasons for the adverse action, and other information.
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The bill also specifies that upon request, consumer reporting agencies must disclose to a consumer the entity that is the source of any information on a consumer credit report.
Finally, the bill excludes from consumer credit reports criminal convictions older than seven years.
Written by the Congressional Research Service, Library of Congress.
Roll calls
No roll call votes have been held on this bill.
Amendments
No amendments were offered to this bill.
Cosponsors
- Jamaal Bowman D-NYOriginal
- Cori Bush D-MOOriginal
- Yvette Clarke D-NYOriginal
- Gregorio Casar D-TXOriginal
- Maxwell Frost D-FLOriginal
- Jimmy Gomez D-CAOriginal
- Henry Johnson D-GAOriginal
- Barbara Lee D-CAOriginal
- Summer Lee D-PAOriginal
- James McGovern D-MAOriginal
- Eleanor Norton D-DCOriginal
- Alexandria Ocasio-Cortez D-NYOriginal
- Ilhan Omar D-MNOriginal
- Janice Schakowsky D-ILOriginal
- Rashida Tlaib D-MIOriginal
- Delia Ramirez D-IL
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Other bills by Ayanna Pressley
History
- Introduced in the House by Ayanna Pressley.
Show the full action history (2 actions)
- Introduced in House
- Referred to the House Committee on Financial Services.