Shutdown Guidance for Financial Institutions Act
Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.
Shutdown Guidance for Financial Institutions Act
This bill directs financial regulators—including the Federal Reserve Board, the Consumer Financial Protection Bureau, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, and the National Credit Union Administration—to issue guidance relating to a government shutdown. Among other things, financial regulators must issue guidance encouraging financial institutions
- to modify loan terms and to extend credit to consumers and businesses affected by a shutdown, and
- to take steps to prevent the reporting of adverse credit information related to a shutdown.
Financial regulators must also notify the public of this guidance in the event of a government shutdown, and complete a report after a government shutdown regarding the guidance's effectiveness.
Referred to the Committee on Financial Services, and in addition to the Committee on the Budget, 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.
- Introduced in House Formatted Text PDF Formatted XML
Cite this page
U.S. Congress. (2026). H.R. 5739: Shutdown Guidance for Financial Institutions Act. 118th Congress. Open America. https://openamerica.io/bill/118-HR-5739/
"H.R. 5739: Shutdown Guidance for Financial Institutions Act." 118th Congress, 2026, Open America, https://openamerica.io/bill/118-HR-5739/.
H.R. 5739, 118th Cong. (2026), https://openamerica.io/bill/118-HR-5739/.
[H.R. 5739: Shutdown Guidance for Financial Institutions Act](https://openamerica.io/bill/118-HR-5739/)