Establishes provisions relating to the reporting of positive rental payment information to a consumer reporting agency

HB 2090 requires most Missouri landlords to offer tenants the voluntary option to have their on-time rent payments reported to credit bureaus. Landlords must provide a written election form detailing the option, fees (capped at $10/month or actual cost), and the right to opt out for six months. The law applies to most residential landlords but excludes single-property owners of buildings with 15 or fewer units. Tenants must pay any required fee separately from rent, and failure to pay may temporarily halt reporting for six months. The requirement begins for new leases on or after February 1, 2027.