Sponsors
The bill protects renters' privacy and reduces credit-based barriers to housing, but may prompt landlords to adopt cost-shifting or alternative screening practices that raise housing costs and administrative burdens.
Renters (especially applicants with past credit issues) will be less likely to be denied housing or charged higher deposits because housing providers cannot use credit-based consumer reports for tenant screening.
Low-income applicants will face fewer barriers to accessing rental housing because screening cannot rely on credit standing, improving access to housing for people with limited or damaged credit histories.
Renters and consumers gain stronger privacy protections because housing providers are prohibited from using credit-based consumer reports even with applicant consent.
Renters and low-income applicants may face higher housing costs if landlords shift to alternative screening measures (e.g., higher rents, larger deposits, stricter income requirements) to manage perceived risk.
Small landlords and property managers will incur higher administrative costs or greater risk of nonpayment because they can no longer use credit-based screening tools.
Renters denied housing under alternative criteria may experience delays or inconsistent outcomes during the bill's limited 'reconsideration' process, which could be unevenly implemented across providers.
Based on analysis of 2 sections of legislative text.
Stops housing providers from using credit-related consumer reports to screen tenants, except for individualized reconsideration of a prior denial.
Prohibits housing providers and others from using consumer reports or investigative consumer reports that contain creditworthiness, credit standing, or credit capacity information to screen tenants for rental applications, security deposits, lease terms, or tenant retention. The ban applies even if a consumer consents, but allows a housing provider to obtain or use such a report only for individualized reconsideration of a previously denied rental application. The law defines key terms including "tenant screening purposes," "housing provider," and "reconsideration of denial."
Introduced July 14, 2025 by Maxwell Frost · Last progress July 14, 2025