US HB4100

Prohibits landlords of federally-assisted or federally-backed mortgage properties from charging rental application fees or tenant screening fees (including criminal history, background checks, and consumer reports)

Caps late fees at less than 3% of monthly rent and prohibits charging them until 15 days after rent is due

Requires landlords to disclose before lease signing: total monthly costs including all fees, summary of past litigation with tenants, ongoing pest and maintenance issues, and rent increase history for the previous 10 years

Directs the CFPB and FTC to issue rules within 180 days defining "junk fee" for rental housing and declaring that reporting unpaid junk fees to consumer reporting agencies constitutes unfair debt collection practices

Applies to dwelling units receiving HUD assistance or subject to federally-backed mortgages (FHA, VA, USDA, Fannie Mae, Freddie Mac), with enforcement divided among HUD, VA, USDA, and FHFA based on mortgage type