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FCRA Liability Harmonization Act
To amend the civil liability requirements under the Fair Credit Reporting Act to include requirements relating to class actions, and for other purposes.
Summary
- Amends the Fair Credit Reporting Act to establish liability limits for willful noncompliance with FCRA requirements in class action lawsuits.
- Caps total class recovery from willful noncompliance at the lesser of $500,000 or 1 percent of the defendant's net worth, excluding attorney fees.
- Limits statutory damages for willful noncompliance to the lesser of $100,000 or 40 percent of actual damages in individual actions.
- Establishes similar liability caps for class actions based on negligent noncompliance with FCRA requirements.
- Caps attorney fees and costs in FCRA class actions at the lesser of $100,000 or 40 percent of damages awarded.
- Prohibits courts from applying a minimum damage amount for each member of a FCRA class action.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
7 cosponsors
- Rep. Fitzgerald, Scott [R-WI-5] (R-WI)
- Rep. Huizenga, Bill [R-MI-4] (R-MI)
- Rep. Kim, Young [R-CA-40] (R-CA)
- Rep. Meuser, Daniel [R-PA-9] (R-PA)
- Rep. Moore, Tim [R-NC-14] (R-NC)
- Rep. Wagner, Ann [R-MO-2] (R-MO)
- Rep. Williams, Roger [R-TX-25] (R-TX)
Money behind the sponsor
Top reported contributors to Barry Loudermilk’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- NULL $21,050
- CROY ENGINEERING $6,600
- CAPITAL ONE $6,600
- GENERAL WHOLESALE BEER CO $6,600
- QUEST $6,600
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Barry Loudermilk → · Outside spending →
Actions (4)
- Jun 30, 2026 Ordered to be Reported (Amended) by the Yeas and Nays: 27 - 23. · house
- Jun 30, 2026 Committee Consideration and Mark-up Session Held · house
- Oct 17, 2025 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. · house
- Oct 17, 2025 Introduced in House
More bills on these subjects (8)
Other bills that carry the most legislative subjects in common with this one (topical discovery — distinct from the procedural related bills above).
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Text versions (1)
Bills are re-published as they move (Introduced → Reported → Engrossed → Enrolled …). Each stage below is a separate text; pick two to see what changed. Data from Congress.gov.
Committee action
What happened to this bill in committee — the meetings where it was considered and every recorded vote taken on it.
Meetings where this bill was on the agenda
Full text
IN THE HOUSE OF REPRESENTATIVES
October 17, 2025
Mr. Loudermilk (for himself, Mrs. Wagner, Mr. Fitzgerald, Mr. Meuser, Mrs. Kim, and Mr. Huizenga) introduced the following bill; which was 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
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.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “FCRA Liability Harmonization Act”.
SEC. 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 court may determine, except that—
“(1) the court may not apply a minimum amount of damages for each member of the class;
“(2) the total recovery (excluding reasonable attorney’s fees as determined by the court) of the class may not exceed the lesser of—
“(A) $500,000; or
“(B) 1 percent of the net worth of such person; and
“(3) the costs of the action together with reasonable attorney’s fees, as determined by the court, may not exceed the lesser—
“(A) of $100,000;
“(B) the amount that is 40 percent of any damages awarded by a court under this subsection; or
“(C) the sum of the costs of the action and reasonable attorney’s fees, as determined by the court, not to exceed the lower of $100,000 or an amount equal to 40 percent of actual damages.”.
(b) Negligent Noncompliance.—Section 617 of the Fair Credit Reporting Act (15 U.S.C. 1681o) is amended—
(1) in subsection (a)(2), by striking the period at the end and inserting “, not to exceed the lesser of—
“(A) $100,000; or
“(B) 40 percent of any actual damages determined by the court.”; and
(2) by adding at the end the following new subsection:
“(c) Class Action Lawsuits.—With respect to a class action brought by consumers against a person who negligently fails to comply with any requirement imposed under this title, such person is liable to such consumers in an amount equal to the sum of any actual damages sustained by the consumers as a result of the failure, except that the total recovery (excluding reasonable attorney’s fees as determined by the court) of the class shall not exceed the lesser of—
“(1) $500,000;
“(2) 1 percent of the net worth of such person; or
“(3) the sum of the costs of the action and reasonable attorney’s fees, as determined by the court, not to exceed the lower of $100,000 or an amount equal to 40 percent of actual damages.”. <all>
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