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Read. Follow. Verify.Missouri House Bill 2090 Requires Landlords to Offer Credit Reporting for On-Time Rent Payments
Last action · May 15, 2026: Referred: Emerging Issues(H)Sponsors: Aaron Crossley and 2 others
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What This Bill Would Do
Missouri landlords must offer residential tenants the option to report on-time rental payments to a nationwide consumer reporting agency, beginning February 1, 2027, for new leases and August 28, 2026, for existing leases. Tenants who opt in may be charged a monthly fee capped at the lesser of actual costs or ten dollars. Smaller landlords owning 15 or fewer units and not organized as corporations, LLCs with corporate members, or s are exempt.
Tenants gain a mechanism to build credit histories through routine housing payments, while participating landlords face administrative requirements and compliance rules regarding fee collections, disclosures, and exemptions. The measure sets specific timelines for lease offers and establishes statutory limitations preventing fee non-payment from triggering eviction or security deposit deductions.
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
tenant
Residential tenants gain the right to have on-time rent payments reported to credit agencies, receive written election and opt-out notices, and face potential monthly fees up to ten dollars if they participate.
landlord
Landlords of applicable residential properties must provide annual or initial offers for credit reporting, distribute election paperwork, manage optional fee collections, and comply with restrictions on fee-related evictions.
consumer reporting agency
Consumer reporting agencies receive positive rental payment information furnished by landlords or intermediaries on behalf of participating tenants.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
Can my landlord force me to pay for credit reporting of my rent?
What happens if I miss the fee payment for rent reporting?
Are all landlords required to offer this service?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Currently in committee. The next step in the legislative lifecycle is Floor Vote.
Procedural history
4 actions- May 15, 2026HouseCommitteeReferred: Emerging Issues(H)
- Jan 8, 2026HouseFloorRead Second Time (H)
- Jan 7, 2026HouseIntroducedRead First Time (H)
- Dec 1, 2025HouseIntroducedPrefiled (H)
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Mandatory Rent Reporting Option
Introduces a legal requirement for landlords to facilitate credit-building through routine rental payments, shifting reporting duties from voluntary consumer actions to landlord-provided offerings.
Connected Entities
Sources
house.mo.gov
Analysis Score
0–100- Significance60How much this matters to a regular citizen
- Controversy35Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz25Current news / social attention level
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