Expanding Access to Credit through Consumer-Permissioned Data Act

Cost and committee reports

Official records Congress.gov attaches to H.R. 10316.

• Constitutional authority statementThe sponsor’s statement of where the Constitution gives Congress the power to pass this bill. Statement by Ms. WILLIAMS of Georgia, as printed in the Congressional Record (Vol. 170, No. 180, December 5, 2024, Page H6414):
  This bill is enacted pursuant to the power granted to Congress under Article I, Section 8, Clause 18 of the United States Constitution. The single subject of this legislation is: This bill requires the consideration of additional credit information by a mortgage lender when evaluating a consumer's creditworthiness if a consumer requests that this information be considered. This additional information includes current payment and transaction information such as bank statements and rental payment history.
  Source: Congress.gov, Congressional Record December 5, 2024 ↗

  Evidence

  Field in the Congress.gov record

  constitutionalAuthorityStatementText

  Statement length

  508 characters

  Congress.gov bill record

  H.R. 10316, 118th Congress

  Congress.gov API record

  https://api.congress.gov/v3/bill/118/hr/10316

  Record last updated by Congress.gov

  August 18, 2025

  PORKER copy retrieved

  September 14, 2026

  Stored copy, SHA-256 of the file

  0e10b748f4695fe8bf6126ceb40b3c27cdc4d005ca984faf3cc52574bb199b28

  PORKER shows the statement exactly as printed, with the page markup removed. It is the sponsor’s claim; it is not a legal finding.

Congress.gov’s record for this bill does not list a CBO cost estimate or a committee report (as of August 18, 2025). Not every bill gets one.

From the Congress.gov bill record for H.R. 10316, last updated August 18, 2025. PORKER’s copy was retrieved September 14, 2026 and is refreshed nightly. Open “Evidence” on any line for the record, field and file fingerprint.