Establishes guidelines for creditworthiness determinations concerning affordable housing programs.

This bill establishes guidelines for how landlords assess creditworthiness when renting affordable housing. It prohibits using credit scores to deny housing to applicants with federal or state tenant-based housing subsidies (like Section 8 vouchers), except when an individualized assessment shows repeated failure to pay rent while receiving a subsidy. For other affordable housing applicants, landlords must conduct individualized assessments considering income, employment, payment history, health factors, and budgeting efforts rather than relying solely on credit scores. Landlords must provide written denial notices explaining their decision in English and Spanish, and submit annual reports to the Attorney General with demographic data on denials. The bill aims to prevent credit-based discrimination against low and moderate-income households seeking housing they can afford.