Federal Worker Credit Protection Act of 2026

This bill changes the Fair Credit Reporting Act to bar nationwide credit reporting agencies from including negative information about the debts of federal workers during a government shutdown period. The covered period starts when funding has lapsed for more than 24 hours and ends 30 days after funding is restored. It covers employees of the U.S. government or the District of Columbia whose agency is affected by the funding lapse. Upon a direct request from such a worker, a credit reporting agency must delete this information for free and may not share it with anyone requesting the worker's credit report. The Office of Management and Budget must notify the agencies when a funding lapse starts and ends, and the law would apply to shutdown periods beginning on or after February 1, 2026.

Full text and official record on Congress.gov

Sponsors

• Mark Kelly Democrat sponsor
• 5 cosponsors