[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 4369 Introduced in House (IH)]

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119th CONGRESS
  1st Session
                                H. R. 4369

To amend the Fair Credit Reporting Act to prohibit the use of consumer 
credit checks against prospective and current tenants for the purposes 
              of making adverse rental housing decisions.


_______________________________________________________________________


                    IN THE HOUSE OF REPRESENTATIVES

                             July 14, 2025

  Mr. Frost introduced the following bill; which was referred to the 
                    Committee on Financial Services

_______________________________________________________________________

                                 A BILL


 
To amend the Fair Credit Reporting Act to prohibit the use of consumer 
credit checks against prospective and current tenants for the purposes 
              of making adverse rental housing decisions.

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

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``End Tenant Credit Screening Act''.

SEC. 2. USE OF CREDIT CHECKS PROHIBITED FOR TENANT SCREENING PURPOSES.

    Section 604 of the Fair Credit Reporting Act (15 U.S.C. 1681b) is 
amended by inserting after subsection (g) the following:
    ``(h) Use of Certain Consumer Reports Prohibited for Tenant 
Screening Purposes.--
            ``(1) Definitions.--For purposes of this section:
                    ``(A) The term `tenant screening purposes' when 
                used in connection with a consumer report means a 
                report used for the purpose of evaluating a consumer 
                for rental housing, including whether to approve a 
                consumer's rental housing application, determining the 
                consumer's security deposit or other terms of the 
                consumer's lease, or retention a tenant.
                    ``(B) The term `housing provider' means any person 
                that leases a unit of residential real estate to an 
                individual.
            ``(2) General prohibition.--Except as provided in paragraph 
        (3), a person, including a prospective or current housing 
        provider, may not use a consumer report or investigative 
        consumer report, or cause a consumer report or investigative 
        consumer report to be procured, with respect to any consumer 
        for tenant screening purposes where any information contained 
        in the report bears on the creditworthiness, credit standing or 
        credit capacity of the consumer.
            ``(3) Consent irrelevant.--The prohibition described in 
        paragraph (2) shall apply even if the consumer consents or 
        otherwise authorizes the procurement or use of a consumer 
        report for tenant screening purposes, except for a report 
        provided or caused to be provided to the housing provider for 
        reconsideration of denial.
            ``(4) Reconsideration of denial.--The term 
        ``reconsideration of denial'' means any procedure or process by 
        which a housing provider reconsiders, on an individualized 
        basis, an application for rental housing that the housing 
        provider has previously rejected after bona fide 
        consideration.''.
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