H.R. 4560 — 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 i...