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H.R. 5775 119th Congress House

FCRA Liability Harmonization Act

Official title: To amend the civil liability requirements under the Fair Credit Reporting Act to include requirements relating to class actions, and for other purposes.

Introduced: October 17, 2025 Introduced by: Barry Loudermilk Republican · Georgia See on congress.gov
Finance and Financial Sector Civil actions and liabilityConsumer creditLegal fees and court costs
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 Everywhere this bill has been 4 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jun 30, 2026
Ordered to be Reported (Amended) by the Yeas and Nays: 27 - 23.
Jun 30, 2026
Committee Consideration and Mark-up Session Held
Oct 17, 2025
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.
Oct 17, 2025
Introduced in House
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What's happening now June 30, 2026

Ordered to be Reported (Amended) by the Yeas and Nays: 27 - 23.

 Plain-English summary Congressional Research Service

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. 
 Hearings & markups 1
  • Various Measures
    Markup Jun 30, 2026 · 10:00 AM EDT · Financial Services Committee
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Lobbying activity 51

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

Bodies those filers lobbied

A filing lists the bills it worked on and the parts of government it contacted in separate sections, so these are the bodies those filers named anywhere in the filing, not a per-bill breakdown.

See all 51 filings →
 Cosponsors 7
All 7 Republican 7
R
Moore, Tim
North Carolina · Jun 23, 2026
 R
Williams, Roger
Texas · Mar 25, 2026
 R
Fitzgerald, Scott
Wisconsin · Oct 17, 2025
 R
Huizenga, Bill
Michigan · Oct 17, 2025
 R
Kim, Young
California · Oct 17, 2025
 R
Meuser, Daniel
Pennsylvania · Oct 17, 2025
 R
Wagner, Ann
Missouri · Oct 17, 2025
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 5775: FCRA Liability Harmonization Act. 119th Congress. Open America. https://openamerica.io/bill/119-HR-5775/
MLA
"H.R. 5775: FCRA Liability Harmonization Act." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-5775/.
Bluebook (legal)
H.R. 5775, 119th Cong. (2026), https://openamerica.io/bill/119-HR-5775/.
Markdown link
[H.R. 5775: FCRA Liability Harmonization Act](https://openamerica.io/bill/119-HR-5775/)
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