Eliminating Fraud in the CFPB’s Complaint Database Act

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 7588 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 7588 To amend the Consumer Financial Protection Act of 2010 to require the attestation of certain information as part of the consumer complaint submission process, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES February 17, 2026 Mr. Barr introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To amend the Consumer Financial Protection Act of 2010 to require the attestation of certain information as part of the consumer complaint submission process, 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 ``Eliminating Fraud in the CFPB's Complaint Database Act''. SEC. 2. COLLECTING AND TRACKING COMPLAINTS. Section 1013(b)(3) of the Consumer Financial Protection Act of 2010 (12 U.S.C. 5493(b)(3)) is amended by adding at the end the following: ``(E) Consumer attestation.-- ``(i) In general.--The Director shall require, using such verification mechanisms as the Director determines appropriate, each person who submits a complaint to the unit established under this paragraph to attest, under penalty of perjury, that-- ``(I) the information and documentation provided in the complaint is true and accurate to the best of the consumer's knowledge; ``(II) the complaint is being submitted directly by-- ``(aa) the consumer; or ``(bb) a representative authorized to act on the behalf of the consumer who provides sufficient proof of identification and a written document signed by the consumer that permits the third party to act on the behalf of the consumer specifically as it relates to submitting a complain