HR9380Referred to Committee
To amend the Equal Credit Opportunity Act to require creditors to consider certain additional credit information when making mortgage loans, and for other purposes.
Introduced
In Committee
3
Passed One Chamber4
Passed Both5
Signed into Law119th
Congress
2026-06-18
Introduced
4
Cosponsors
HR
ⓘType
Sponsor
Nikema Williams
Democrat · GA · Representative
Votes with party: 98.0% (558 recorded votes)
Full profile: /officials/W000788
Source: Congress.gov · FEC
Cosponsors (4)
Members who have signed on to support this bill since introduction. Source: Congress.gov.
Latest Action
The most recent step in the bill's legislative path. Committee Activity below shows referrals and reports; the full action-by-action history including floor proceedings lives at Congress.gov →
Committee Activity
Currently in
- House Committee on Financial ServicesReferred To · 2026-06-18
Plain-English Summary
The proposal would require mortgage lenders to consider additional types of credit information beyond traditional credit scores when deciding whether to approve home loans, potentially allowing borrowers with limited credit histories to qualify more easily. This could help people who don't have traditional credit records—such as those who pay rent, utilities, or other bills on time but don't use credit cards—get mortgages they might otherwise be denied. The change would affect both lenders and borrowers seeking home loans.
AI-assisted summary generated from the official bill metadata (title, subjects, actions) sourced from Congress.gov. Cached and reviewed. Always verify against the official text linked below.
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