Rep. Williams, Nikema [D-GA-5]

HR 9380

Rep. Nikema Williams (D-GA) introduced this bill to let consumers share their own financial data (like bank account and utility payment history) with lenders to help build credit, particularly for people with thin or no credit files. It would direct federal financial regulators to establish rules encouraging lenders to use this consumer-permissioned data in credit decisions, including when AI or algorithmic underwriting models are involved.

Last action: Jun 18, 2026