H.R. 5775 · 119th Congress

FCRA Liability Harmonization Act

Introduced on Oct 17, 2025 by Barry Loudermilk (R-GA-11). 7 cosponsors, all from the sponsor's party. Latest action (Jun 30, 2026): Ordered to be Reported (Amended) by the Yeas and Nays: 27 - 23.

Stage
Introduced
Introduced
Oct 17, 2025
Cosponsors
7
0 from the other party
Policy area
Finance and Financial Sector
Open in the Congress explorerCongress.govAlert me

Progress

The furthest stage the measure reached. Simple and concurrent resolutions do not go to the President.

  1. Introduced
  2. 2Reported by committee
  3. 3Passed one chamber
  4. 4Passed both chambers
  5. 5Sent to the President
  6. 6Became law

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.

Subjects

  • Civil actions and liability
  • Consumer credit
  • Legal fees and court costs

Summary

By the Congressional Research Service (Introduced in House, Oct 17, 2025). Public domain.

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.

Sponsor and cosponsors

Cosponsors by party as of the day they signed on. Original cosponsors signed on the day of introduction.

Barry LoudermilkR-GA-11Sponsor

Republicans · 7

Roll calls

Recorded votes on the measure. Most measures move by voice vote or unanimous consent, which record no individual positions.

No recorded roll call on this measure: it moved by voice vote or unanimous consent, or has not reached the floor.

History

Every action as published, oldest first. Roll calls link to how each member voted.

  1. Oct 17, 2025Introduced in House
  2. Oct 17, 2025Introduced in House
  3. Oct 17, 2025 · HouseReferred 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 · HouseReferred 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.
  5. Jun 30, 2026 · HouseCommittee Consideration and Mark-up Session Held
  6. Jun 30, 2026 · HouseOrdered to be Reported (Amended) by the Yeas and Nays: 27 - 23.

Committees

Committees and subcommittees the measure was referred to.

Agencies in its committees' jurisdiction

Analisa's mapping of committee jurisdiction to federal agencies; the bill may touch others, or none of these.

Who lobbied on it

Organizations whose lobbying reports (LD-2) name this measure. Spending is what they reported for those quarters on all issues, not on this measure alone.

  1. EQUIFAX INC.8 reports
    $1.5M reported (all issues)Federal contractor: EQUIFAX INFORMATION SERVICES LLC$1.3M in contracts, FY2026AI match · 100%
  2. CONSUMER DATA INDUSTRY ASSOCIATION4 reports
    $285K reported (all issues)
  3. EXPERIAN NORTH AMERICA, INC4 reports
    $1.3M reported (all issues)
  4. American Association for Justice3 reports
    $5.1M reported (all issues)
  5. NATIONAL AUTOMOBILE DEALERS ASSOCIATION3 reports
    $4M reported (all issues)
  6. Professional Background Screeners Association3 reports
    $150K reported (all issues)
  7. Trans Union LLC3 reports
    $1.9M reported (all issues)Federal contractor: TRANS UNION LLC$3.6M in contracts, FY2026AI match · 100%
  8. AMERICAN FINTECH COUNCIL1 report
    $60K reported (all issues)
  9. American Bankers Association1 report
    $3.5M reported (all issues)Federal contractor: AMERICAN BANKERS ASSOCIATIONAI match · 100%
  10. CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP1 report
    $90K reported (all issues)
  11. CREDIT UNION NATIONAL ASSOCIATION, INC.1 report
    $1.3M reported (all issues)

Reports filed in 2025, 2026.

Sources and method

Every figure on this page traces to these records.

  • Bill status: bills and resolutions, sponsors, actions, subjects and CRS summaries (U.S. Government Publishing Office (GovInfo), from Congress.gov (Library of Congress))GovInfo Bill Status bulk data (Congress.gov; summaries by the Congressional Research Service) · data current to Oct 6, 2026 · loaded Oct 6, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Members of Congress, their terms, committees and identifiers (The @unitedstates project (from the Biographical Directory of the U.S. Congress, the House and the Senate))unitedstates/congress-legislators: legislators, committees and current committee membership · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: CC0 1.0 (public domain dedication)
  • House roll-call votes (Office of the Clerk, U.S. House of Representatives)Office of the Clerk, U.S. House of Representatives, roll-call vote records · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Senate roll-call votes and DW-NOMINATE scores (Voteview (UCLA Department of Political Science))Lewis, Jeffrey B., Keith Poole, Howard Rosenthal, Adam Boche, Aaron Rudkin, and Luke Sonnet (2026). Voteview: Congressional Roll-Call Votes Database. https://voteview.com/ · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Free to use with the required citation
  • Lobbying disclosures (LD-1 registrations, LD-2 quarterly reports, LD-203 contribution reports) (Clerk of the U.S. House of Representatives)Clerk of the House, Lobbying Disclosure Act filings (organizations only; lobbyists' names are not loaded) · data current to Oct 6, 2026 · loaded Oct 6, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Positions are shown only where a roll call recorded them; voice votes and unanimous consent record none.
  • Money and votes are shown side by side; neither explains the other.