Pass federal legislation allowing Americans to build credit through on-time rent payments.

Adam B. Schiff · California · Democratic

policy impact 0.57 specificity 0.82 extraction confidence 96%

Commitment kind: unknown. Promised action: not established. Promised outcome: not established. Deadline: unknown; not assumed expired.

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Occurrences

We need to pass federal legislation to make sure that all Americans are able to build positive credit through their on-time rent payments.

Schiff proposes federal legislation to report on-time rent payments for credit-building purposes.

Housing and Homelessness Plan - Adam Schiff for Senate
campaign · campaign_site · model gpt-5.5

Evidence

legacy_unverified · Source version not recorded · locator unknown

GovInfo lists S. 1465 as introduced in the Senate on April 10, 2025 by Sen. Tim Scott and cosponsors, then read twice and referred to the Senate Committee on Banking, Housing, and Urban Affairs. The bill title is the Credit Access and Inclusion Act of 2025 and its purpose is to amend the Fair Credit Reporting Act regarding positive consumer credit information.

Unverified model/legacy excerpt; not proof. AI summary (separate from source): Relevant Senate legislation exists, but the official record shows only introduction and committee referral, not passage or enactment. Schiff is not listed among the sponsor or cosponsors on this official record.

unresolved same_term

GovInfo: S. 1465 (IS) - Credit Access and Inclusion Act of 2025
secondary · model gpt-5.5 · confidence 93%

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legacy_unverified · Source version not recorded · locator unknown

The House Committee Repository says H.R. 5402, the Credit Access and Inclusion Act of 2025, was ordered to be reported favorably by the House Financial Services Committee by a recorded vote of 28 yeas and 23 nays on June 30, 2026. The same page lists FC-296 as the motion to report favorably ANS to H.R. 5402.

Unverified model/legacy excerpt; not proof. AI summary (separate from source): The House companion bill made committee progress, but this is not final federal enactment. No official action found in the August 22-24, 2026 lookback window showed House passage, Senate passage, presidential signature, or implementation.

unresolved same_term

House Committee Repository: Markup of Various Measures, Financial Services Committee
secondary · model gpt-5.5 · confidence 91%

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Assessments

Public state: unverified As of unknown · legacy_unverified · . Original AI recommendation (not independently established): unresolved. unknown

No federal law has been enacted allowing Americans to build credit through on-time rent payments. The relevant 119th Congress legislation has only reached introduction/referral in the Senate and committee reporting progress in the House, with no House passage, Senate passage, presidential signature, or implementation. The Senate bill is sponsored by Tim Scott and does not list Adam Schiff as sponsor or cosponsor, so there is not enough candidate-specific contribution to credit delivery or an effort badge.

provider codex_cli · model gpt-5.5 · confidence 91%