Sponsors (21)
The bill strengthens renters' procedural and privacy protections and improves housing access for people with past records while shifting compliance costs, operational burdens, and some safety‑assessment challenges onto landlords, screening firms, and businesses—costs that may be passed on to applicants.
Renters with past records (including arrests, juvenile records, sealed/expunged records, diversion outcomes, minor citations, and some older convictions) will face fewer barriers to obtaining or keeping housing because those records are excluded or limited in tenant‑screening reports.
Renters gain stronger procedural protections: clearer FCRA disclosures, access to tenant‑screening reports, dispute procedures, and quicker, itemized adverse‑action notices (within 3 days) so they can contest or remediate errors faster.
Consumers receive improved privacy/consumer protections because older conviction information would generally be ineligible for reporting after seven years and source‑reporting disclosures may be clarified, reducing routine exposure of older or sensitive records.
Landlords, consumer‑reporting agencies, and background‑screening businesses face higher compliance costs, administrative burdens, and increased litigation risk to meet new disclosure, exclusion, and notice requirements; those costs may be passed on to renters through higher screening fees or rents.
Employers and landlords will have reduced access to older or certain criminal‑history information that they rely on to assess safety and risk, which could increase perceived or real liability and operational risk for them.
Expanded permissible uses and more detailed disclosures of tenant‑screening data could increase privacy risks if sensitive information is shared more broadly or notices are not transmitted/handled securely.
Based on analysis of 9 sections of legislative text.
Restricts certain criminal and juvenile records from tenant‑screening consumer reports and requires faster, itemized adverse‑action notices to renters.
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
Creates new limits on what background and consumer-report information can be used when landlords or housing providers screen prospective or current tenants, and requires faster, more specific adverse-action notices when a rental decision is based on a consumer report. It also amends several Fair Credit Reporting Act provisions to add “tenant screening purposes,” restrict certain criminal and juvenile records from tenant reports, shorten how long some adverse items may appear, and clarify disclosure and preemption language. The bill aims to reduce use of arrest records, sealed/expunged records, diversion results, juvenile adjudications, certain conviction-related records, and other categories in tenant screening reports; requires landlords or other users to provide adverse-action information within three days and to cite the specific report items that caused denial or other adverse actions; and makes related conforming and clarity edits to the FCRA.