End Tenant Credit Screening Act

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.