What does Preamble of Housing FIRST Act do?

This bill proposes amendments to the Fair Credit Reporting Act. It aims to restrict the information consumer reporting agencies can provide when furnishing reports for tenant screening. The bill also intends to establish duties for those who use consumer reports for housing purposes.

What does SHORT TITLE. of Housing FIRST Act do?

This bill is formally titled the Housing for Formerly Incarcerated Reentry and Stable Tenancy Act, also known as the Housing FIRST Act.

What does DEFINITION OF TENANT SCREENING PURPOSES. of Housing FIRST Act do?

This section amends the Fair Credit Reporting Act to define tenant screening purposes. The amendment adds a new paragraph to section 603(h) of the Act. Conforming amendments are made to various sections of the Fair Credit Reporting Act.

What does PROHIBITION ON INFORMATION INCLUDED IN CONSUMER REPORTS of Housing FIRST Act do?

This section amends the Fair Credit Reporting Act to establish restrictions on information included in consumer reports furnished for tenant screening purposes. Consumer reporting agencies are prohibited from including arrest records in tenant screening reports. Juvenile adjudications and convictions, even those where a juvenile was tried as an adult, are excluded. Non-criminal citations by state or local law enforcement agencies are also excluded. Criminal cases resolved through diversion programs or similar judicial programs are not permitted in tenant screening reports. Convictions for which the consumer has completed their sentence or is on probation/parole are excluded. Offenses related to court costs or incarceration fees are not included. Records of expunged, sealed, vacated, or pardoned convictions are excluded from tenant screening reports.

What does CONDITIONS FOR FURNISHING AND USING CONSUMER REPORTS FOR TENANT of Housing FIRST Act do?

This section amends Section 604(b) of the Fair Credit Reporting Act The amendment adds 'or Tenant Screening Purposes' to the subsection heading It also inserts 'or tenant screening purposes' in paragraphs (1), (2), and (3)

What does CLARIFICATION FOR SOURCES OF INFORMATION. of Housing FIRST Act do?

This section amends Section 609(a)(2) of the Fair Credit Reporting Act. The amendment inserts the phrase '(including any entity from whom the consumer reporting agency received such information)' after the word 'information'.

What does DUTIES OF USERS OF CONSUMER REPORTS FOR HOUSING PURPOSES. of Housing FIRST Act do?

This section amends the Fair Credit Reporting Act. It establishes duties for individuals who use consumer reports for tenant screening. If an adverse action, such as denial of rental housing, is taken based on a consumer report, the person taking the action must provide a notice to the consumer within 3 days. The notice must contain information described in subsection (a) of Section 615. The person must also provide the specific reasons for the adverse action, including the information from the consumer report that led to the action.

What does PROHIBITION ON STATE REGULATION OF TIME LIMITS FOR INFORMATION of Housing FIRST Act do?

This section amends Section 625(b)(1)(E) of the Fair Credit Reporting Act. The amendment inserts 'the time after which' after 'relating to'. The amendment also inserts 'becomes obsolete' after 'consumer reports'.

What does ADDITIONAL EXCLUSION OF INFORMATION FROM CONSUMER REPORTS. of Housing FIRST Act do?

This section amends Section 605(a)(5) of the Fair Credit Reporting Act. The amendment strikes the phrase '`, other than records of convictions of crimes''.

What does TECHNICAL AMENDMENT. of Housing FIRST Act do?

This section amends the Fair Credit Reporting Act Amendments are made to Section 615(h)(8) of the Act

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Housing FIRST Act

Last updated: 4/29/2026 · Introduced: 4/29/2026

Author: Ayanna Pressley (D-MA)

TL;DR (AI)

This bill amends the Fair Credit Reporting Act to prohibit consumer reporting agencies from including arrest records, juvenile adjudications, and certain non-criminal citations in tenant screening reports.
Individuals using consumer reports for tenant screening must provide consumers with notice within three days of an adverse action, detailing the reasons for the decision and the specific information from the report that led to it.
The bill expands exclusions from consumer reports to include records of expunged, sealed, vacated, or pardoned convictions, as well as offenses related to court costs or incarceration fees.

119th Congressin committeeOfficial page

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Includes provisions on preamble, short title., and 8 more.

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