This bill would stop landlords and property managers from using credit reports to approve or deny renters, set security deposits, change lease terms, or decide whether to keep a tenant. It changes the Fair Credit Reporting Act to forbid using any report that includes a person’s credit history, score, or ability to repay for tenant screening. Even if a renter says it’s okay, a landlord still can’t use a credit check for these decisions, with a narrow exception if the landlord is reconsidering a past denial on an individual basis.

Key points

• Who is affected: Renters and housing providers (anyone who rents out a home or apartment).
• What changes: Credit checks can’t be used to approve applications, set deposits or lease terms, or decide to keep a tenant; consent from the renter doesn’t make it allowed. A limited exception applies only for reconsidering a previous denial.
• When: The text sets the rule but does not state a specific start date in the provided material.