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Federal Employee Financial Protection Act of 2026
To amend the Fair Credit Reporting Act to prohibit certain adverse information related to late or missed payments during a Government shutdown by a furloughed or unpaid Government employee from being included in consumer reports, and for other purposes.
Summary
- Prohibits consumer reporting agencies from including adverse information about late or missed payments by federal employees during a government shutdown in consumer credit reports.
- Requires credit reporting agencies to treat late or missed payments during shutdowns as if the payments were made.
- Directs the Consumer Financial Protection Bureau to issue rules within 30 days to implement the new requirements.
- Expresses the sense of Congress that private lenders should provide temporary forbearance, waive late fees, and refrain from reporting adverse credit information for late payments during government shutdowns.
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)
- Rep. Alford, Mark [R-MO-4] (R-MO)
Actions (2)
- Jul 22, 2026 Referred to the House Committee on Financial Services. · house
- Jul 22, 2026 Introduced in House
Full text
IN THE HOUSE OF REPRESENTATIVES
July 22, 2026
Mr. Alford introduced the following bill; which was referred to the Committee on Financial Services
A BILL
To amend the Fair Credit Reporting Act to prohibit certain adverse information related to late or missed payments during a Government shutdown by a furloughed or unpaid Government employee from being included in consumer reports, 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 “Federal Employee Financial Protection Act of 2026”.
SEC. 2. PROTECTION OF CREDIT REPORTING.
(a) In General.—Section 605 of the Fair Credit Reporting Act (15 U.S.C. 1681c) is amended by adding at the end the following:
“(i) Government Shutdowns.—
“(1) In general.—A consumer reporting agency may not make any consumer report containing an adverse item of information related to a late payment or nonpayment on an account of a covered employee that occurred during a covered period.
“(2) Treatment of certain payments.—For purposes of making any consumer report, a consumer reporting agency shall treat any late payment or nonpayment described in paragraph (1) as if the consumer had made the payment.
“(3) Definitions.—In this subsection:
“(A) Covered employee.—The term ‘covered employee’ means any employee of the Federal Government who is furloughed or required to work without pay during a lapse in appropriations.
“(B) Covered period.—The term ‘covered period’ means any period during which there is a lapse in appropriations resulting in delayed compensation to a covered employee.”.
(b) Rulemaking.—Not later than 30 days after the date of enactment of this Act, the Director of the Bureau of Consumer Financial Protection shall issue rules to carry out the amendment made by this section.
SEC. 3. SENSE OF CONGRESS REGARDING PRIVATE LENDERS.
It is the sense of Congress that private lenders should—
(1) provide temporary forbearance or payment flexibility to covered employees (as defined in section 605(i)(3) of the Fair Credit Reporting Act);
(2) waive late fees and penalties incurred during the covered period (as defined in such section 605(i)(3)); and
(3) refrain from furnishing adverse credit information related to late payments or nonpayments during the covered period. <all>
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