House bill · 119th Congress · Latest step: Committee action

Credit Access and Inclusion Act of 2026

H.R. 5402Introduced Sep 16, 2025Policy area: Finance and Financial Sector

Official title: To amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain full-file consumer credit information to consumer reporting agencies, and for other purposes.

Sponsor: Rep. Young Kim R-CA

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Where it went

IntroducedSep 16, 2025
Committee actionJun 30, 2026
Passed House—
Passed Senate—
To the President—
Became law—

Latest action: Sep 1, 2026 — Placed on the Union Calendar, Calendar No. 688.

Cost and committee reports

Official records Congress.gov attaches to H.R. 5402.

Committee reportCongress.gov lists 1 committee report for this bill: H. Rept. 119-788 ↗. The Congress.gov committee record lists a “Reported By” entry for the Financial Services Committee on September 1, 2026.
Source: Congress.gov, reported September 1, 2026 ↗
Evidence
Field in the Congress.gov record
committeeReports
Report API records
https://api.congress.gov/v3/committee-report/119/HRPT/788
Congress.gov bill record
H.R. 5402, 119th Congress
Congress.gov API record
https://api.congress.gov/v3/bill/119/hr/5402
Record last updated by Congress.gov
September 18, 2026
PORKER copy retrieved
September 24, 2026
Stored copy, SHA-256 of the file
b6b285f61b13c72d52a9ab8f1d774a3c678984a3d88af32d9a2bf7d955ee1d03
A committee report is the committee’s own explanation of the bill. PORKER lists it and links to it; reading it is up to you.
Constitutional authority statementThe sponsor’s statement of where the Constitution gives Congress the power to pass this bill. Statement by Mrs. KIM, as printed in the Congressional Record (Vol. 171, No. 151, September 16, 2025, Page H4364):
Article I, Section 8 of the United States Constitution.
Source: Congress.gov, Congressional Record September 16, 2025 ↗
Evidence
Field in the Congress.gov record
constitutionalAuthorityStatementText
Statement length
55 characters
Congress.gov bill record
H.R. 5402, 119th Congress
Congress.gov API record
https://api.congress.gov/v3/bill/119/hr/5402
Record last updated by Congress.gov
September 18, 2026
PORKER copy retrieved
September 24, 2026
Stored copy, SHA-256 of the file
b6b285f61b13c72d52a9ab8f1d774a3c678984a3d88af32d9a2bf7d955ee1d03
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 (as of September 18, 2026). Not every bill gets one.

Sent to: Financial Services CommitteeBills with a CBO estimate Bills with a committee report See it in the Data Web

From the Congress.gov bill record for H.R. 5402, last updated September 18, 2026. PORKER’s copy was retrieved September 24, 2026 and is refreshed nightly. Open “Evidence” on any line for the record, field and file fingerprint.