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Bill

SF 2807

Credit reporting option for tenants provision, credit reporting assistance grants to landlords appropriation, and certain data collection from landlords awarded grants authorization provision

2025-2026 Regular Session Introduced by Zaynab Mohamed

Allows tenants to opt into positive rental history reporting and grants landlords funds to submit this data to credit bureaus.

Referred to Judiciary and Public Safety
#creditandcreditservices #housingandhousingfinanceagency #landlordsandtenants
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Bill Summary · SF 2807

Legislative bill overview

SF 2807 establishes a program allowing tenants to voluntarily have positive rental payment histories reported to credit bureaus and appropriates grants to landlords who report this data. The bill authorizes the collection of data from participating landlords to assess the program's effectiveness.

Why is this important

Positive rental payment history can significantly improve credit scores, potentially helping tenants access better loan terms, housing, and other credit-dependent services. This addresses a gap where rent payments—often a tenant's largest monthly obligation—typically don't build credit like other debts do, disproportionately affecting low-income renters and communities of color with limited credit histories.

Potential points of contention

  • Data privacy concerns: Collecting tenant and landlord data raises questions about what information is gathered, who has access, and how it's protected, particularly given historical concerns about discriminatory use of tenant data
  • Incentive structure: Providing grants to landlords to participate may be questioned as unnecessary—critics may argue landlords should report voluntarily or that funds should support tenants directly instead
  • Participation barriers: Voluntary programs depend on landlord participation; landlords may lack resources or interest, limiting benefits for tenants in buildings with non-participating owners
  • Credit reporting accuracy: Implementation success depends on accurate reporting; errors could harm tenants rather than help them

Compiled from official sources — confirm details with the bill’s official record.

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