Sponsored By: Representative Loudermilk
Introduced
This bill would rewrite parts of the Fair Credit Reporting Act to create uniform, _caps on class-action damages_ for willful and negligent violations. It ties total class recoveries to set dollar limits and to a defendant's net worth to limit very large awards.
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1 provisions identified: 0 benefits, 1 costs, 0 mixed.
This bill would limit how much consumers could recover in Fair Credit Reporting Act cases. In individual cases, awards would be capped at the lower of $100,000 or 40% of the damages the court awards. In willful-violation class actions, courts could not set a per‑member minimum, and the class’s total recovery (not counting attorney fees) would be capped at the lesser of $500,000 or 1% of the defendant’s net worth. In negligent class actions, consumers could get actual damages only, and the class’s total recovery (not counting attorney fees) would be capped at the lesser of $500,000, 1% of net worth, or in some cases the case’s costs and court‑approved fees. In both types of class cases, costs and attorney fees would be limited to the lower of $100,000 or 40% of damages.
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Loudermilk
GA • R
Fitzgerald
WI • R
Sponsored 10/17/2025
Rep. Meuser, Daniel [R-PA-9]
PA • R
Sponsored 10/17/2025
Rep. Kim, Young [R-CA-40]
CA • R
Sponsored 10/17/2025
Huizenga
MI • R
Sponsored 10/17/2025
Wagner
MO • R
Sponsored 10/17/2025
Williams (TX)
TX • R
Sponsored 3/25/2026
No roll call votes available for this bill.
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