H.R. 5775 · 119th Congress · 2025–2026
FCRA Liability Harmonization Act
H.R. 5775 in the 119th Congress (2025–2026) was introduced on Oct 17, 2025, sponsored by Barry Loudermilk with 7 co-sponsors.
During the 119th Congress (2025–2026), Donald Trump was president, and Republicans held majorities in both the House and Senate.
- Status
- Introduced
- Introduced
- Oct 17, 2025
- Co-sponsors
- 7
- Policy area
- Finance and Financial Sector
What it does
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.
Summary by the nonpartisan Congressional Research Service.
Sponsor
Barry Loudermilk (R-GA). Co-sponsors: 7 Republicans.
Where it stands
- IntroducedOct 17, 2025
- Passed the House—
- Passed the Senate—
- Sent to the President—
- Became law—
Latest action: Ordered to be Reported (Amended) by the Yeas and Nays: 27 - 23. (Jun 30, 2026)
More bills from Barry Loudermilk in the 119th Congress
- H.R. 687: MERIT Act of 2025
- H.R. 1078: Respect State Housing Laws Act
- H.R. 5362: To name the Department of Veterans Affairs multispecialty clinic in Marietta, Georgia, as the…
- H.R. 5520: Portal for Appraisal Licensing Act of 2025
- H.R. 5644: Catastrophic Specialty Hospital Act of 2025
- H.R. 6550: American FIRST Act of 2025
- H.R. 6551: New BANK Act of 2025
Other Finance and Financial Sector bills in the 119th Congress
- S.J.Res. 18: A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection…
- S.J.Res. 28: A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection…
- S.J.Res. 13: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United…
- S. 1582: Guiding and Establishing National Innovation for U.S. Stablecoins Act
- H.R. 2808: Homebuyers Privacy Protection Act
- S. 3424: Bankruptcy Administration Improvement Act of 2025
- S. 100: Repealing Big Brother Overreach Act
- S.J.Res. 141: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United…
- H.J.Res. 160: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the…
- H.J.Res. 161: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the…
Committees
- Financial Services Committee
- Judiciary Committee
More
From GovInfo bill records, Congressional Research Service summaries, Voteview roll calls and lobbying reports.
Cite or embed this page
Capitol Receipts, “H.R. 5775 (119th Congress): FCRA Liability Harmonization Act,” https://www.capitolreceipts.com/bill/119-hr-5775/fcra-liability-harmonization-act (accessed 2026-10-12).