Effective Date: January 1st, 2026
Key points: January 1st, 2026
Exclusion of Credit Histories for Subsidized Applicants:
Individuals applying with housing subsidies are not required to include credit reports, scores, or evidence of adverse credit in their screening report.
Revised Definition of Adverse Credit Event:
Clarifies that late rent payments and collection accounts are considered adverse credit events.
Removal of Direct Access Requirement:
Eliminates the provision that required tenant screening reports to be made directly available via consumer reporting agencies or third-party websites.
Extended Report Validity:
The act allows landlords to accept a tenant-provided portable screening report that's up to 60 days old, rather than the previous 30-day limit.
