The Credit Access and Inclusion Act of 2025 aims to improve access to credit for underserved populations by promoting the inclusion of alternative credit data in credit scoring. This could help individuals with limited credit histories, such as those from low-income backgrounds or minorities, to qualify for loans and financial services. The bill may also encourage financial institutions to consider non-traditional factors when assessing creditworthiness.
Media outlets have praised the Credit Access and Inclusion Act of 2025 for its potential to bridge the credit gap for millions of Americans who struggle to access traditional credit. Advocates argue that by incorporating alternative data, the bill could lead to fairer lending practices and help foster economic empowerment in marginalized communities.
Critics of the Credit Access and Inclusion Act of 2025 have raised concerns about the risks associated with using alternative credit data, suggesting it could lead to inaccurate assessments of creditworthiness. Some fear that this approach may inadvertently reinforce existing biases or result in higher costs for consumers. Detractors also worry about the potential for increased predatory lending practices targeting vulnerable populations.
The Credit Access and Inclusion Act of 2025, sponsored by Young Kim, does not have direct industry overlaps with her top donor industries, which include Health Professionals and Retired individuals. However, the lobbying activity in the bill's policy area shows significant contributions from health-related companies and associations, totaling $570,000. This includes substantial amounts from entities like Stealth Biotherapeutics Inc. and the Pharmaceutical Research and Manufacturers of America, which could indicate a vested interest in the bill's outcomes. While there is no direct link between the bill's subject matter and the sponsor's top donors, the lobbying presence suggests that health industry interests may still influence the legislative process, raising potential concerns for voters regarding the integrity of the bill's intentions.
Organizations that lobbied on issues related to this bill's policy area.
| Client | Lobbying Firm | Amount |
|---|---|---|
| MIDSIZED BIOTECH ALLIANCE OF AMERICA (MBAA) | LMH STRATEGIC SOLUTIONS | $230,000 |
| STEALTH BIOTHERAPEUTICS INC. | LMH STRATEGIC SOLUTIONS | $60,000 |
| SAVARA INC. | LMH STRATEGIC SOLUTIONS | $60,000 |
| REGENXBIO INC. | LMH STRATEGIC SOLUTIONS | $60,000 |
| PTC THERAPEUTICS, INC. | LMH STRATEGIC SOLUTIONS | $50,000 |
| INCYTE CORPORATION | LMH STRATEGIC SOLUTIONS | $50,000 |
| HARMONY BIOSCIENCES | LMH STRATEGIC SOLUTIONS | $50,000 |
| GLAXOSMITHKLINE LLC | LMH STRATEGIC SOLUTIONS | $50,000 |
| PHARMACEUTICAL RESEARCH AND MANUFACTURERS OF AMERICA | LMH STRATEGIC SOLUTIONS | $30,000 |
| NEUROPACE, INC. | LMH STRATEGIC SOLUTIONS | $30,000 |
| IONIS PHARMACEUTICALS, INC. | LMH STRATEGIC SOLUTIONS | $30,000 |
| ERISA INDUSTRY COMMITTEE (ERIC) | LMH STRATEGIC SOLUTIONS | $30,000 |
| UNIVERSITY OF LOUISVILLE HEALTH | LMH STRATEGIC SOLUTIONS | $20,000 |
| NATERA, INC. | LMH STRATEGIC SOLUTIONS | $20,000 |
| MEDICAL DEVICE MANUFACTURERS ASSOCIATION | LMH STRATEGIC SOLUTIONS | $20,000 |
Source: Senate Lobbying Disclosure Act (LDA) filings, 2026
Top industries funding Young Kim, ranked by total contributions.
Source: OpenSecrets.org (Center for Responsive Politics)
