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.
Analysis under review: This bill has generated analysis that may be too generic or incomplete. Clause-level evidence remains available below.
Summary
What This Bill Does
The bill creates short title This Act may be cited as the End Tenant Credit Screening Act and prohibits housing providers from using consumer credit reports for tenant screening purposes, including rental applications, security deposits, lease terms, and tenant retention decisions. It relies on definition, prohibition, and compliance mandates. The main policy areas are Consumer Protection and Finance.
Who Benefits and How
Renters with poor credit would be affected and Low-income renters would be affected.
Who Bears the Burden and How
Landlords/housing providers would be affected, Tenant screening companies would be affected, and Credit reporting agencies would be affected.
Key Provisions
- Creates short title This Act may be cited as the End Tenant Credit Screening Act.
- Prohibits housing providers from using consumer credit reports for tenant screening purposes, including rental applications, security deposits, lease terms, and tenant retention decisions.
Evidence Chain:
This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers with clause-level evidence links.
At a Glance
What This Bill Does
The bill creates short title This Act may be cited as the End Tenant Credit Screening Act and prohibits housing providers from using consumer credit reports for tenant screening purposes, including rental applications, security deposits, lease terms, and tenant retention decisions.
Key Policy Areas
Consumer Protection, Finance
Primary Purpose
The bill creates short title This Act may be cited as the End Tenant Credit Screening Act and prohibits housing providers from using consumer credit reports for tenant screening purposes, including rental applications, security deposits, lease terms, and tenant retention decisions.
Policy Domains
Whole bill
Identified Gains
- Renters with poor credit
- Low-income renters
Identified Costs
- Landlords/housing providers
- Tenant screening companies
- Credit reporting agencies
Sponsors
Legislative Progress
IntroducedMr. Frost introduced the following bill; which was referred to …
Stakeholder Effects
cui bono?How this legislation distributes effects. Mention counts reflect frequency, not effect magnitude.
Bill Structure & Actor Mappings
Who is "The Secretary" in each section?
We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.
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