Credit Access and Inclusion Act of 2025 amends the Fair Credit Reporting Act to clarify reporting of full-file consumer credit information.

The Credit Access and Inclusion Act of 2025 amends the Fair Credit Reporting Act to allow for full-file consumer credit information reporting by utility and telecommunication firms. It defines permissible reporting as related to payment terms and conditions. The Act also allows energy utility firms to report payment information as late if a consumer is meeting a payment plan. Consumers can opt-out of this information being reported. The Comptroller General must submit a report to Congress within two years on the impact of this reporting on consumer credit scores.

Credit Access and Inclusion Act of 2025 amends the Fair Credit Reporting Act to clarify reporting of full-file consumer credit information.

The Credit Access and Inclusion Act of 2025 amends the Fair Credit Reporting Act to allow for full-file consumer credit information reporting by utility and telecommunication firms. It defines permissible reporting as related to payment terms and conditions. The Act also allows energy utility firms to report payment information as late if a consumer is meeting a payment plan. Consumers can opt-out of this information being reported. The Comptroller General must submit a report to Congress within two years on the impact of this reporting on consumer credit scores.