Access to Homeownership Act

This bill requires landlords of multifamily housing (5+ units) with federally backed mortgages to obtain tenant consent to report positive rent payments to credit bureaus, including up to 24 months of payment history. It directly affects tenants in these properties who pay rent on federally backed loans, as their rent payments will become part of their credit history. The law mandates that credit bureaus include these payments when evaluating mortgage applications under the National Housing Act, and covers administrative costs for landlords through the enterprises managing the mortgages. The Director must also submit a 5-year report to Congress on the program's implementation.