{"database": "openregs", "table": "legislation", "rows": [["117-hr-8485", 117, "hr", 8485, "Expanding Access to Credit through Consumer-Permissioned Data Act", "Finance and Financial Sector", "2022-07-22", "2022-07-27", "Ordered to be Reported in the Nature of a Substitute (Amended) by the Yeas and Nays: 28 - 23.", "House", "Rep. Williams, Nikema [D-GA-5]", "GA", "D", "W000788", 9, "Expanding Access to Credit through Consumer-Permissioned Data Act  This bill requires the consideration of additional credit information by a mortgage lender when evaluating a consumer's creditworthiness if a consumer requests that this information be considered. This additional information includes current payment and transaction information such as bank statements and rental payment history.  Mortgage lenders must provide notice to mortgage applicants of their rights under this bill.  Additionally, federal agencies that insure, guarantee, supplement, assist, or underwrite federally backed mortgage loans must also comply with these requirements.", "2023-09-01T14:15:19Z", "https://www.congress.gov/bill/117th-congress/house-bill/8485"]], "columns": ["bill_id", "congress", "bill_type", "bill_number", "title", "policy_area", "introduced_date", "latest_action_date", "latest_action_text", "origin_chamber", "sponsor_name", "sponsor_state", "sponsor_party", "sponsor_bioguide_id", "cosponsor_count", "summary_text", "update_date", "url"], "primary_keys": ["bill_id"], "primary_key_values": ["117-hr-8485"], "units": {}, "query_ms": 0.3731518518179655, "source": "Federal Register API & Regulations.gov API", "source_url": "https://www.federalregister.gov/developers/api/v1", "license": "Public Domain (U.S. Government data)", "license_url": "https://www.regulations.gov/faq"}