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House bill · H.R. 5775 (119th Congress)

FCRA Liability Harmonization Act

U.S. House of Representatives

Latest action Jun 30, 2026

Sponsor: Barry Loudermilk (U.S. Representative, GA-11, Republican)

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From Congress.gov and official rosters. This record was last updated Sep 23, 2026. About our data

Summary

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.

Summary from the Congressional Research Service. How we handle summaries

Where it stands

Out of committee and scheduled for a vote by the full chamber.

  1. Introduced
  2. In committee
  3. Up for a vote
  4. Passed one chamber
  5. Passed
  6. Enacted

Committee

House Committee on Financial Services · U.S. House of Representatives

Also referred to House Committee on the Judiciary · U.S. House of Representatives, Senate Committee on the Judiciary · U.S. Senate.

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Cosponsors

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  • Republican7

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Full history

  1. Jun 30, 2026

    Committee vote

    Committee Consideration and Mark-up Session Held

  2. Jun 30, 2026

    Committee vote

    Committee Consideration and Mark-up Session Held

  3. Jun 30, 2026

    Reported out of committee

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

  4. Jun 30, 2026

    Introduced

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

    U.S. House

  5. Jun 30, 2026

    Reported out of committee

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

Show full history (4 earlier events)
  1. Oct 17, 2025

    Introduced

    Introduced in House

    U.S. House of Representatives

  2. Oct 17, 2025

    Introduced

    Introduced in U.S. House

    U.S. House

  3. Oct 17, 2025

    Referred to committee

    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.

  4. Oct 17, 2025

    Referred to committee

    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.

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