HOUSE 5775119th CongressReferred 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.

FCRA Liability Harmonization Act

Last Action: 10/17/2025

Actions

2026-06-30Ordered to be Reported (Amended) by the Yeas and Nays: 27 - 23.
2026-06-30Committee Consideration and Mark-up Session Held
2025-10-17Referred 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.
2025-10-17Referred 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.
2025-10-17Introduced in House
2025-10-17Introduced in House

CRS Summary

As of 2025-10-17 (00)

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.

Cosponsors (7)

Ann Wagner (R-MO)
Scott Fitzgerald (R-WI)
Daniel Meuser (R-PA)
Young Kim (R-CA)
Bill Huizenga (R-MI)
Roger Williams (R-TX)
Tim Moore (R-NC)

Subjects

Civil actions and liability
Consumer credit
Legal fees and court costs

Read on Congress.gov

Sourced from Congress.gov (public domain).

This is legal information, not legal advice. Laws vary by jurisdiction and change frequently. Always verify current law with official sources and consult a licensed attorney in your jurisdiction for advice on your specific situation.