119th Congress

H.R. 5775

FCRA Liability Harmonization Act

Introduced
In committee
Passed House
Passed Senate
To President
Became law

Sponsor: Barry Loudermilk(R-GA)
Introduced: Oct 17, 2025
Policy area: Finance and Financial Sector
Committees: House Committee on Financial Services; House Committee on the Judiciary
Official text: Introduced in House · Congress.gov page

Cosponsors (7)

Original cosponsors (5)

Added later (2)

Roger Williams (R-TX) · Mar 25, 2026
Tim Moore (R-NC) · Jun 23, 2026

Summary

Summary by the Congressional Research Service· describes the “Introduced in House” version

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.

Roll-call votes

No recorded votes on this bill.

Actions

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 · House
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