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SB 537

Hard credit inquiries by landlords.

2025 Regular Session Introduced by La Keisha Jackson

SB 537 restricts landlords' use of hard credit inquiries on prospective tenants to protect applicants' credit scores and rental housing access in Indiana.

First reading: referred to Committee on Local Government
#civillawandprocedure;liabilities #damages #andpenalties #property;landlordsandtenants #property;leases #stateelectedofficials;attorneygeneral #traderegulations;consumercreditandconsumerprotection(includingtheuniformconsumercreditcode(uccc))
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Bill Summary · SB 537

Legislative bill overview

SB 537 would regulate how landlords conduct credit inquiries on prospective tenants in Indiana. The bill, sponsored by Senator La Keisha Jackson, was introduced in January 2025 and is currently in the Committee on Local Government for initial review.

Why is this important

Credit inquiries by landlords can significantly impact tenant applicants' credit scores and financial prospects, potentially creating barriers to housing access. This legislation addresses concerns about how landlords use credit screening tools and their effects on vulnerable populations seeking rental housing.

Potential points of contention

  • Credit score impact: Whether hard inquiries should be restricted or limited in frequency, as multiple inquiries from different landlords can harm applicants' credit ratings during apartment searches
  • Landlord screening rights: Balancing tenant protection against landlords' legitimate need to assess financial reliability and rental history
  • Alternative screening methods: What information sources landlords could use instead of credit inquiries, and whether alternatives adequately protect property owners' interests

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

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