US HB4369

Amends the Fair Credit Reporting Act to prohibit landlords and housing providers from using consumer credit reports to make adverse rental housing decisions, including application approvals, security deposit amounts, lease terms, or tenant retention

Applies to both prospective and current tenants, and the prohibition remains in effect even if the consumer consents to the credit check

Defines "housing provider" as any person who leases residential real estate to an individual

Creates one exception: credit reports may be used during a "reconsideration of denial" process, where a landlord individually reconsiders a previously rejected application after bona fide consideration

Introduced July 14, 2025 by Rep. Frost and referred to the House Committee on Financial Services