Mortgage borrowers could ask lenders to review payment records beyond a regular credit report. Lenders would have to use that data in the loan decision if it meets the bill’s rules.
Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
Expanding Access to Credit through Consumer-Permissioned Data Act is a House bill in Congress.
Who this affects: This bill mainly affects people applying for mortgages who have thin credit files, no credit files, or credit reports that miss important payment history. It also affects mortgage lenders, credit decision systems, federal housing agencies, and companies that build underwriting tools, which are systems used to judge loan risk.
Why this matters: People can struggle to get a mortgage when a credit report misses their real payment history. This bill would let them show more of that history, if they choose to share it. It could help borrowers who pay rent and bills on time but lack a strong traditional credit file. It could also add new costs, privacy risks, and system changes for lenders.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
Keep acting on Modern Action
Compare the broader issue and related bills without leaving Modern Action.
Officially: Expanding Access to Credit through Consumer-Permissioned Data Act
Mortgage borrowers could ask lenders to review payment records beyond a regular credit report. Lenders would have to use that data in the loan decision if it meets the bill’s rules.
Use this page to support, oppose, or ask Congress to amend HR10316. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in House Committee
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.
Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your House representative when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to Expanding Access to Credit through Consumer-Permissioned Data Act, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (introduced), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around HR10316, your stance, and the reasons you choose, then lets you edit and send when ready.
