Establishes provisions relating to the reporting of positive rental payment information to a consumer reporting agency

HB 938 requires landlords to offer tenants the option of having their on-time rent payments reported to credit bureaus, directly affecting renters and landlords in residential leases. Landlords must provide this option at lease signing and annually thereafter, with tenants able to opt in (paying a fee up to $10/month or actual cost) or opt out (with a six-month waiting period to re-opt in). The law exempts small landlords (15 or fewer units) and federally assisted housing developments from the requirement. Tenants cannot be evicted or have fees deducted from security deposits for failing to pay the reporting fee, and landlords must stop reporting if fees remain unpaid for 30+ days.