Bill · H.R. 4369· House(119-HR-4369)
End Tenant Credit Screening Act
- Introduced
- 7/14/2025
- Last activity
- 7/14/2025 — Referred to the House Committee on Financial Services.
- Sponsored by
- Maxwell Frost
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
This bill, known as the "End Tenant Credit Screening Act," seeks to amend the Fair Credit Reporting Act. It aims to prohibit the use of consumer credit checks for tenant screening purposes. This includes evaluating rental applications, determining lease terms or security deposits, or deciding on tenant retention. The prohibition applies to any information regarding a consumer's creditworthiness, standing, or capacity. Even if a consumer gives consent, the use of these reports remains prohibited. There is a single exception for the reconsideration of a rental denial.
Yes· 3 of 22
Would households on low incomes be better off under this?+6
The bill directly benefits those who might be excluded from housing due to poor credit scores.
Does this give people more protection from unfair business practices?+6
The bill protects consumers from adverse rental decisions based on their credit history.
Would immigrants be better off under this?+5
Immigrants with little to no domestic credit history will find it easier to rent housing.
The opposite
Would business owners be better off under this?-3
Housing providers lose a standard tool for risk assessment.
Does this make it easier to run a small business?-3
The bill restricts the tools housing providers can use to evaluate prospective tenants.
Does this leave more decisions to the states?-2
The bill establishes a federal prohibition that limits local or state-level autonomy in tenant screening.
Who it would affect, and how
Potential Positive Impacts for People
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Prevention of adverse rental decisions based on credit: The bill prohibits using consumer reports to evaluate a consumer's creditworthiness or capacity when deciding on rental applications, security deposits, or lease terms (Section 2, paragraph (h)(1) and (2)). This could prevent people from being denied housing due to their credit history.
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Protection during the reconsideration process: The bill allows for a report to be used if it is provided for the "reconsideration of denial" (Section 2, paragraph (h)(3) and (4)). This provides a specific procedure where a housing provider can reconsider a previously rejected application on an individualized basis.
Potential Negative Impacts for People
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Restrictions on housing provider evaluation tools: A person or housing provider is prohibited from using a consumer report or investigative consumer report to evaluate a consumer for rental housing purposes (Section 2, paragraph (h)(2)). This limits the specific information providers can use when determining lease terms or whether to approve an application.
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Elimination of consent-based credit checks: The prohibition stands even if the consumer provides consent or authorization for the report to be used for tenant screening (Section 2, paragraph (h)(3)). This means individuals cannot opt-in to showing their credit history to help their application process.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Low Income Households+6Good For Immigrants+5Good For Students+5Good For African Americans+4Good For Asian Americans+4Good For Hispanic Americans+4Good For Native Americans+4Good For White Americans+4Good For Young Adults+4Good For Urban Residents+3Good For Middle Class Households+2Good For Veterans+2Good For Rural Residents+1Good For Business Owners-3
- Social Issues And Justice
- Improves Affordable Housing+5Improves Racial Equity+4Improves Poverty Reduction+3Reduces Homelessness+3
- Governance And Ideology
- Improves Privacy Rights+5Increases Federal Power+3Improves Due Process+2Increase States Rights-2
- Education And Technology
- Improves Data Privacy+4
- Economy And Finance
- Improves Consumer Protection+6Improves Small Business Support-3
- 7/14/2025
- Referred to the House Committee on Financial Services.
- Introduced in House