Building Resilient Infrastructure and Communities for All Act of 2025

House Bill

H.R. 4560

119th Congress

Building Resilient Infrastructure and Communities for All Act of 2025

In Committee

Introduced:Jul 21, 2025

Primary Sponsor

Joyce Beatty

Representative

Democratic

OH-3

Cosponsors

16

Quick Stats

Policy Area

Finance and Financial Sector

Summary

The Housing FIRST Act aims to limit the information that can be shared on credit reports and considered in housing decisions, particularly regarding a person's criminal background. It prohibits consumer reporting agencies from including certain criminal records on credit reports used for tenant screening, and restricts how those reports can be used to make housing decisions.

Latest Action

Referred to the House Committee on Financial Services.

SponsorJoyce Beatty (D-OH)

Introduced7/21/2025

StatusReferred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.

ChamberHouse

Data from Congress.gov

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Vote Prediction

Building Resilient Infrastructure and Communities for All Act of 2025

The Housing FIRST Act aims to limit the information that can be shared on credit reports and considered in housing decisions, particularly regarding a person's criminal background. It prohibits consumer reporting agencies from including certain criminal record

Community Breakdown

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The Housing FIRST Act aims to limit the information that can be shared on credit reports and considered in housing decisions, particularly regarding a person's criminal background. It prohibits consumer reporting agencies from including certain criminal records on credit reports used for tenant screening, and restricts how those reports can be used to make housing decisions.

Bill Number: 4560
Sponsor: Joyce Beatty (D-OH)
Introduced: 7/21/2025
Status: Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.
Policy Area: Finance and Financial Sector

Data from Congress.gov

AI-generated summary

Fact Sheet

Title: Building Resilient Infrastructure and Communities for All Act of 2025
Bill Number: 4560
Sponsor: Joyce Beatty (D-OH)
Status: Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.
Introduced: 7/21/2025
Summary: The Housing FIRST Act aims to limit the information that can be shared on credit reports and considered in housing decisions, particularly regarding a person's criminal background. It prohibits consumer reporting agencies from including certain criminal records on credit reports used for tenant scre

Data from Congress.gov

AI Summary

Plain-English explanation of this bill

The Housing FIRST Act aims to limit the information that can be shared on credit reports and considered in housing decisions, particularly regarding a person's criminal background. It prohibits consumer reporting agencies from including certain criminal records on credit reports used for tenant screening, and restricts how those reports can be used to make housing decisions.

Last updated: 12/30/2025

Official Summary

Congressional Research Service summary

Housing for Formerly Incarcerated Reentry and Stable Tenancy Act or the Housing FIRST Act This bill limits the information allowed to be shared on credit reports and considered in housing decisions, including certain criminal background information. First, the bill prohibits a consumer reporting agency from including specified information on a consumer credit report provided for tenant screening purposes, such as arrests, juvenile adjudications or convictions, civil citations, resolved criminal cases (e.g., through completion of a diversion program), and convictions with completed sentences. Further, the bill restricts the use of consumer credit reports for tenant screening. A person who obtains such a report must not use it in violation of fair housing laws and must disclose its use to the consumer. When taking adverse action based on the report, a person must provide the consumer with a copy of the report, the specific reasons for the adverse action, and other information. The bill also specifies that upon request, consumer reporting agencies must disclose to a consumer the entity that is the source of any information on a consumer credit report. Finally, the bill excludes from consumer credit reports criminal convictions older than seven years.

Key Points

Main provisions of the bill

Prohibits consumer reporting agencies from including certain criminal records (e.g. arrests, juvenile adjudications, resolved criminal cases) on credit reports used for tenant screening
Requires disclosure and restrictions on the use of credit reports for tenant screening, including providing the consumer a copy of the report and reasons for any adverse action
Excludes criminal convictions older than 7 years from consumer credit reports

How This Impacts Americans

Potential effects on citizens and communities

This bill would primarily affect individuals with criminal backgrounds who are seeking housing, making it easier for them to access housing opportunities by limiting the information landlords can use against them. It could help reduce barriers to stable housing and reintegration into communities for formerly incarcerated individuals.

Policy Areas

Primary Policy Area

Finance and Financial Sector

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

4560, 119th Congress (2025). "Building Resilient Infrastructure and Communities for All Act of 2025". Source: Voter's Right Platform. https://votersright.org/bills/118-hr-4560