Bill Seeks to Help Low-Income Tenants Build Credit During a recent hearing, the House Financial Services Subcommittee on Financial Institutions and Consumer Credit considered legislative proposals to help consumers, particularly those with low incomes, gain more access to mainstream banking and credit services. One of the proposals discussed was the “Credit Access and Inclusion Act of 2015” (H.R. 4172) that would allow owners, including public housing authorities (PHAs), and utility and telecom companies to report on-time payment data to credit reporting agencies, not just negative payment data. Introduced by Representatives Keith Ellison (D-MN) and Mike Fitzpatrick (R-PA), the bill seeks to help those with little to no credit build their credit scores based on a more comprehensive picture of their payment history.