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Starting in July 2026, this bill would require housing authorities created by Utah's largest cities (cities of the first class, like Salt Lake City) to offer renters living in units the housing authority itself owns the option to have their monthly rent payments reported to a nationwide credit reporting agency, both when a lease is signed and at least once each year. Participation would be voluntary, and housing authorities could charge a fee for this service as long as it doesn't exceed their actual cost of providing it. Renters could opt in or out of rent reporting at any time, but if they stop paying the fee or choose to unenroll, they would have to wait at least six months before re-enrolling, and a renter could not be fined, charged a penalty fee, or evicted for failing to pay the reporting fee. This provision would automatically expire at the end of 2027.