HB65 Directing landlords to offer tenants the option of reporting rental payments to consumer reporting agencies.
Directing landlords to offer tenants the option of reporting rental payments to consumer reporting agencies.
Impact Score — How Does This Bill Affect You?
Overall Impact Score
Mixed
Scale: 1 (harmful) to 10 (beneficial)
Your Wallet
Tenants who opt in gain credit-building opportunities that could lower borrowing costs, though landlords may charge up to $10/month and smaller landlords are exempt from the requirement.
Your Community
No direct impact on local community services, schools, or municipal functions.
Your Freedom
Tenants gain expanded financial agency through voluntary credit reporting while retaining existing rights including rent withholding for habitability issues, and the bill explicitly protects against retaliation through fees or eviction.
Status
Refer for Interim Study: Motion Adopted Voice Vote 01/07/2026 House Journal 1 P. 73
Sponsor
Loren Selig (D)
The Short Version
This bill requires landlords with 15+ units to offer tenants an optional service of reporting their rental payments to credit reporting agencies, allowing tenants to build credit history through rent payments. Tenants can opt in, opt out, and landlords may charge up to $10/month for the service, with protections ensuring non-payment of fees cannot be cause for eviction or security deposit deduction.
Who's Behind This Bill?
Who Benefits
- ▲ Tenants without credit history or with limited credit, who gain ability to build credit through rent payments
- ▲ Tenants seeking to improve credit scores for future borrowing
- ▲ Larger rental companies (15+ units) that can offer a value-added service to tenants
Who Pays the Price
- ▼ Tenants who opt in will pay up to $10/month for the reporting service
- ▼ Smaller landlords (14 or fewer units, excluding corporate entities) are exempt and bear no compliance burden
Bill statuses as of October 7, 2026. Check LegiScan or NH General Court for the latest.
This bill was auto-scored using AI analysis of the bill text and legislative data. Scores may be refined as we review more bills.