119-hr4369

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

    (IH) ]

<DOC>

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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