Bill Detail
H.R. 5775
Congress: 119
Title
FCRA Liability Harmonization Act
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.
Sponsor
Rep. Barry Loudermilk [R-GA-11]
Status
Ordered to be Reported (Amended) by the Yeas and Nays: 27 - 23.
Status as of Oct 2, 1:49 AM · synced 5h ago
Introduced
2025-10-17
Data source mode: cache
Bill Engagement
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 (FC…
Lobbyists on the case
- American Association for Justice1 filing · 9 lobs
- Bryan Blom2026 Q1
- Stephen Coffey2026 Q1American Association for Justice · Rep. Gene Green, Legal Intern; Rep. Matt Cartwright, Deputy Chief of Staff and House Appropriatio…
Prepared intelligence brief
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