Landlords, housing officials, and service companies could send payment records to credit bureaus. People could opt out in writing. The bill could help build credit, but it could also expose more late payments.
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.
Credit Access and Inclusion Act of 2025 is a House bill committee Action. The latest recorded action: Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 23.
Latest action on H.R. 5402: Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 23.
Who this affects: This bill mainly affects renters and people who have little or no standard credit history. It also affects households paying utility, phone, internet, or cable bills. Their on-time and late payments could become part of their credit files.
Why this matters: Many people pay rent and household bills but have little credit history because those payments often do not appear in credit files. This bill could make those payments count. On-time payments may help some people qualify for loans, cards, or mortgages. Late payments may make credit harder to get, and the full effect on credit scores is not yet known.
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.
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Officially: Credit Access and Inclusion Act of 2025
Landlords, housing officials, and service companies could send payment records to credit bureaus. People could opt out in writing. The bill could help build credit, but it could also expose more late payments.
Use this page to support, oppose, or ask Congress to amend HR5402. 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
Latest: Referred to the House Committee on Financial Services. (9/16/2025)
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 Credit Access and Inclusion Act of 2025, 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 (Committee Action), 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 HR5402, your stance, and the reasons you choose, then lets you edit and send when ready.
