FCRA Liability Harmonization Act

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 5775 Introduced in House (IH)] <DOC> 119th CONGRESS 1st Session H. R. 5775 To amend the civil liability requirements under the Fair Credit Reporting Act to include requirements relating to class actions, and for other purposes. _______________________________________________________________________ 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 subsectio