Sponsors (21)
The bill strengthens tenants' FCRA protections, limits certain criminal‑history reporting, and improves transparency—helping people with past records and renters contest errors—while imposing substantial compliance costs on landlords and reporting firms, creating privacy/safety trade‑offs, and raising potential litigation risks.
Prospective and current renters gain clearer FCRA protections—mandatory disclosures, access, and dispute procedures for tenant‑screening consumer reports—improving accuracy and legal recourse when reports affect housing eligibility or retention.
People with past records (arrests, juvenile records, sealed/expunged records, diversion outcomes, certain minor citations, and older convictions) will be less likely to appear in tenant screening reports, improving access to housing, credit, and jobs for people with criminal histories.
Renters receive faster and clearer adverse‑action information: landlords must notify denials within three days and identify the specific report items that triggered the decision, enabling quicker disputes and corrections.
Housing providers, screening companies, and consumer reporting agencies face increased compliance, systems‑change, and litigation risk from new disclosure, exclusion, and timing requirements.
Those added costs are likely to be passed on to rental applicants via higher screening fees or rents, which would reduce housing affordability—especially for low‑income renters.
Landlords and employers will have less access to certain criminal‑history information (older convictions and some arrest/diversion records), which could make assessing safety or risk harder in some settings.
Based on analysis of 9 sections of legislative text.
Amends the FCRA to bar many arrest/diversion/juvenile/expunged records from tenant‑screening reports, shorten adverse‑action timing, and constrain how long convictions can be reported.
Official title: To amend the Fair Credit Reporting Act to prohibit consumer reporting agencies that furnish consumer reports for tenant screening purposes from providing certain information, to establish duties of users of consumer reports for housing purposes, and for other purposes.
Introduced April 29, 2026 by Ayanna Pressley · Last progress April 29, 2026
Amends the Fair Credit Reporting Act to limit what consumer reporting agencies may include in tenant‑screening reports, require faster and more specific adverse‑action notices to renters, and narrow how long certain adverse information (including convictions) can be reported. The bill forbids reporting many arrest, juvenile, diversion, expunged, or otherwise cleared records for rental decisions and clarifies that tenant‑screening uses of consumer reports receive protections and disclosure requirements similar to employment/background checks.