U.S. Congress legislation · 119th Congress
HB5775: FCRA Liability Harmonization Act
Status: In committee, June 30, 2026
To amend the civil liability requirements under the Fair Credit Reporting Act to include requirements relating to class actions, and for other purposes.
What the bill says
To amend the civil liability requirements under the Fair Credit Reporting Act to include requirements relating to class actions, and for other purposes.
From the introduced text, October 17, 2025:
A BILL To amend the civil liability requirements under the Fair Credit Reporting Act to include requirements relating to class actions, and for other purposes. SECTION 1. Short title This Act may be cited as the FCRA Liability Harmonization Act . SECTION 2. Maintaining consistency in civil liability under the Fair Credit Reporting Act for class actions (a) Willful noncompliance Section 616 of the Fair Credit Reporting Act ( 15 U.S.C. 1681n ) is amended-- (1) in subsection (a)-- (A) in paragraph (1)(B), by inserting and after the semicolon; (B) by striking paragraph (2); (C) by redesignating paragraph (3) as paragraph (2); and (D) in paragraph (2), as redesignated by subparagraph (C), by striking as determined by the court. and inserting as determined by the court, in an amount that does not exceed the lesser of-- (A) $100,000; or (B) the amount that is 40 percent of any damages awarded under paragraph (1)(A). ; (2) by redesignating subsection (d) as subsection (e); and (3) by inserting after subsection (c) the following new subsection: (d) Class action lawsuits With respect to a class action brought by a class made up of consumers against a person who willfully fails to comply with a requirement imposed under this title, such person shall be liable to such consumers in such an amount as a …
Sponsors
- Barry Loudermilk (R, HD-011) · primary sponsor
- Ann Wagner (R, HD-002)
- Scott Fitzgerald (R, HD-005)
- Dan Meuser (R, HD-009)
- Young Kim (R, HD-CA-40)
- Bill Huizenga (R, HD-004)
- Roger Williams (R, HD-TX-25)
- Tim Moore (R, HD-NC-14)
Latest actions
- : Ordered to be Reported (Amended) by the Yeas and Nays: 27 - 23.
- : Committee Consideration and Mark-up Session Held
- : 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.
- : Introduced in House
Subjects: Consumer credit, Civil actions and liability, Finance and Financial Sector, Legal fees and court costs
Common questions
- What is HB5775?
- HB5775 is a bill in Congress (119th Congress): FCRA Liability Harmonization Act.
- What does HB5775 do?
- In its own words: To amend the civil liability requirements under the Fair Credit Reporting Act to include requirements relating to class actions, and for other purposes.
- What is the status of HB5775?
- In committee as of June 30, 2026. Latest action: Ordered to be Reported (Amended) by the Yeas and Nays: 27 - 23. (June 30, 2026).
- Who sponsored HB5775?
- Barry Loudermilk (R, HD-011), with 7 co-sponsors.
- Where is the official record for HB5775?
- On the Congress website: https://www.congress.gov/bill/119th-congress/house-bill/5775
Source: official Congress record. Tracked by Delilah, AI for legislation across all 50 states and Congress.