Federal Worker Credit Protection Act of 2026

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:

In this subsection:

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.

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.

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.

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.

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).

This Act, and the amendments made by this Act, shall apply to a covered period that begins on or after February 1, 2026.