“A bill to protect the credit of Federal workers during a government shutdown.”
No CRS summary available for this bill.
This section amends the Fair Credit Reporting Act to prohibit consumer reporting agencies described in section 603(p) from including in a consumer report any adverse item of information related to the debt of a covered individual during a covered period. A covered individual is defined as a federal or District of Columbia employee whose agency is subject to a lapse in appropriations, and a covered period begins after more than a 24-hour lapse in appropriations and ends 30 days after appropriations are restored. Upon request from a covered individual, agencies must delete such information from the consumer’s report at no charge and may not disclose it. The Director of the Office of Management and Budget must notify the agencies of the start and end of each lapse. The amendments apply to covered periods beginning on or after February 1, 2026.