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Federal Worker Credit Protection Act of 2026
To protect the credit of Federal workers during a government shutdown.
Summary
This bill protects the credit of federal workers during government shutdowns by preventing credit reporting agencies from reporting adverse credit information related to federal workers' debt during a shutdown period. The bill allows federal workers affected by a shutdown to request deletion of adverse credit information from their credit reports for free, and prohibits credit reporting agencies from disclosing such deleted information to third parties. A covered period is defined as beginning when there is a lapse in appropriations lasting more than 24 hours and ending 30 days after appropriations are restored. The Office of Management and Budget would notify credit reporting agencies of the start and end of shutdowns affecting federal workers.
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)
- Sen. Kelly, Mark [D-AZ] (D-AZ)
5 cosponsors
- Sen. Alsobrooks, Angela D. [D-MD] (D-MD)
- Sen. Gallego, Ruben [D-AZ] (D-AZ)
- Sen. Kaine, Tim [D-VA] (D-VA)
- Sen. Van Hollen, Chris [D-MD] (D-MD)
- Sen. Warner, Mark R. [D-VA] (D-VA)
Actions (2)
- Apr 30, 2026 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. · senate
- Apr 30, 2026 Introduced in Senate
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.
Full text
IN THE SENATE OF THE UNITED STATES
April 30, 2026
Mr. Kelly (for himself, Mr. Gallego, Mr. Van Hollen, Mr. Kaine, Mr. Warner, and Ms. Alsobrooks) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs
A BILL
To protect the credit of Federal workers during a government shutdown.
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 Worker Credit Protection Act of 2026”.
SEC. 2. PROHIBITION ON REPORTING ADVERSE ITEMS OF INFORMATION RELATING TO FEDERAL WORKERS DURING GOVERNMENT SHUTDOWNS.
(a) In General.—Section 605 of the Fair Credit Reporting Act (15 U.S.C. 1681c) is amended—
(1) in subsection (a), by adding at the end the following:
“(9) With respect to a consumer reporting agency described in section 603(p), any item of adverse information related to the debt of Federal workers during a covered period, as those terms are defined in subsection (i).”; and
(2) by adding at the end the following:
“(i) Government Shutdowns.—
“(1) Definitions.—In this subsection:
“(A) Covered individual.—The term ‘covered individual’ means an employee of the United States Government or the District of Columbia whose employing agency is subject to a lapse of appropriations.
“(B) Covered period.—The term ‘covered period’ means the period beginning on the date on which there is more than a 24-hour lapse in appropriations and ending on the date that is 30 days after the date on which there is no longer a lapse in appropriations.
“(2) Request to delete.—A consumer reporting agency, upon receiving a direct request from a consumer who is a covered individual during a covered period shall, free of charge, delete information excluded under subsection (a)(9) in the consumer report of the consumer and prohibit the consumer reporting agency from disclosing such information in the consumer report of the consumer to any person requesting the consumer report.
“(3) Notification.—The Director of the Office of Management and Budget shall submit to each consumer reporting agency described in section 603(p) a notification of the start and end of a lapse in appropriations impacting covered individuals.”.
(b) Technical and Conforming Amendment.—Section 605(c)(1) of the Fair Credit Reporting Act (15 U.S.C. 1681c(c)(1)) is amended by striking “paragraphs (4) and (6)” and inserting “paragraphs (4),
(6), and (9)”.
(c) Effective Date.—This Act, and the amendments made by this Act, shall apply to a covered period that begins on or after February 1, 2026. <all>
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