Establishes guidelines for creditworthiness determinations concerning affordable housing programs.

This bill bans landlords from using credit scores or credit reports to screen applicants for affordable housing programs. It directly affects low- and moderate-income renters applying for subsidized housing or units restricted to income-eligible households. The law requires landlords to conduct individualized assessments of applicants' ability to pay rent, rather than relying on credit scores, which often unfairly reject tenants facing financial hardship. It also defines key terms like "affordable housing applicant" and specifies income thresholds based on rent share, not total rent.