3.0.0 5775 2026-09-03T16:04:40Z 2026-09-03T16:04:40Z House H HR 2025-10-17 119 https://www.congress.gov/bill/119th-congress/house-bill/5775 [Congressional Record Volume 171, Number 172 (Friday, October 17, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. LOUDERMILK:H.R. 5775.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8[Page H4542]]]> hsba00 Financial Services Committee House Standing Markup By 2026-06-30T15:06:00Z Referred To 2025-10-17T18:02:15Z hsju00 Judiciary Committee House Standing Referred To 2025-10-17T18:02:20Z 2026-06-30 hsba00 Financial Services Committee 1 House committee actions Ordered to be Reported (Amended) by the Yeas and Nays: 27 - 23. Committee 2026-06-30 hsba00 Financial Services Committee 1 House committee actions Committee Consideration and Mark-up Session Held Committee 2025-10-17 Referred to the Committee on Financial Services, and in addition to the Committee on the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. IntroReferral H11100 2 House floor actions hsju00 Judiciary Committee 2025-10-17 Referred to the Committee on Financial Services, and in addition to the Committee on the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. IntroReferral H11100 2 House floor actions hsba00 Financial Services Committee 2025-10-17 Introduced in House IntroReferral Intro-H 9 Library of Congress 2025-10-17 Introduced in House IntroReferral 1000 9 Library of Congress L000583 Rep. Loudermilk, Barry [R-GA-11] Barry Loudermilk R GA 11 N W000812 Rep. Wagner, Ann [R-MO-2] Ann Wagner R MO 2 2025-10-17 True F000471 Rep. Fitzgerald, Scott [R-WI-5] Scott Fitzgerald R WI 5 2025-10-17 True M001204 Rep. Meuser, Daniel [R-PA-9] Daniel Meuser R PA 9 2025-10-17 True K000397 Rep. Kim, Young [R-CA-40] Young Kim R CA 40 2025-10-17 True H001058 Rep. Huizenga, Bill [R-MI-4] Bill Huizenga R MI 4 2025-10-17 True W000816 Rep. Williams, Roger [R-TX-25] Roger Williams R TX 25 2026-03-25 False M001236 Rep. Moore, Tim [R-NC-14] Tim Moore R NC 14 2026-06-23 False Finance and Financial Sector Civil actions and liability 2026-07-02T13:03:59Z Consumer credit 2026-07-02T13:04:16Z Legal fees and court costs 2026-07-02T13:05:04Z Finance and Financial Sector 2025-12-08T16:58:37Z 00 2025-10-17 Introduced in House 2026-09-03T16:03:28Z FCRA Liability Harmonization Act

This bill limits the amount of damages and costs consumer credit reporting agencies must pay for violations of the Fair Credit Reporting Act (FCRA), which regulates the use of consumer information for credit reporting purposes. Under FCRA, consumer credit reporting agencies may be found civilly liable to consumers for willful or negligent noncompliance.

The bill eliminates the ability of courts to award unlimited punitive damages to a consumer for a consumer credit reporting agency’s willful noncompliance with FCRA.

Regarding a consumer credit reporting agency’s willful or negligent noncompliance with FCRA, the bill limits the amount that may be awarded to consumers

  • for court costs, and
  • in class action lawsuits, specifically by prohibiting the court from applying a minimum amount of damages for each class member and by limiting the total recovery amount of the class. 
]]> FCRA Liability Harmonization Act Short Title(s) as Introduced 101 FCRA Liability Harmonization Act 2025-10-22T06:08:18Z Introduced in House IH Display Title 45 FCRA Liability Harmonization Act 2025-10-22T06:08:18Z Official Title as Introduced 6 To amend the civil liability requirements under the Fair Credit Reporting Act to include requirements relating to class actions, and for other purposes. 2025-10-22T06:03:19Z Introduced in House IH Introduced in House 2025-10-17T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119hr5775ih/xml/BILLS-119hr5775ih.xml 2026-06-30 Ordered to be Reported (Amended) by the Yeas and Nays: 27 - 23. text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. Congressional Research Service, Library of Congress This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.