# 119-hr-5775: FCRA Liability Harmonization Act

119-hr-5775, FCRA Liability Harmonization Act, is a 119th Congress bill sponsored by Rep. Loudermilk, Barry [R-GA-11] (R-GA); status in_committee; PRIA reads it as touching household money (as of 2026-09-05).

- Canonical: https://policyrisk.com/legislation/119-hr-5775
- As of: 2026-09-05
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-5775
- Congress: 119
- Title: FCRA Liability Harmonization Act
- Status: in_committee
- Introduced: 2025-10-17
- Sponsor: Rep. Loudermilk, Barry [R-GA-11] (R-GA)
- Cosponsors: 7
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-05

## Summary

**Caps class-action damages and fees under the Fair Credit Reporting Act.** This bill rewrites Sections 616 and 617 to limit recoveries and attorney fees in consumer class actions for willful and negligent FCRA violations, tying caps to fixed dollar limits and the defendant's net worth. - Consumers: Class members could receive smaller aggregate payouts because total class recoveries are capped at the lesser of $500,000 or 1% of the defendant's net worth and there is no guaranteed minimum per member. - Individual plaintiffs: People pursuing individual claims still may recover court-determined actual damages, but per-claim willful or negligent awards are limited to the lesser of $100,000 or 40% of actual damages. - Businesses and litigation: Companies face clearer maximum exposure and capped litigation costs, with attorney fees and costs limited to the lesser of $100,000 or 40% of damages, and courts allocate awards within those ceilings.

## Cosponsors (7)

- Rep. Fitzgerald, Scott [R-WI-5] (R-WI), 2025-10-17T00:00:00.000Z
- Rep. Meuser, Daniel [R-PA-9] (R-PA), 2025-10-17T00:00:00.000Z
- Rep. Kim, Young [R-CA-40] (R-CA), 2025-10-17T00:00:00.000Z
- Rep. Huizenga, Bill [R-MI-4] (R-MI), 2025-10-17T00:00:00.000Z
- Rep. Wagner, Ann [R-MO-2] (R-MO), 2025-10-17T00:00:00.000Z
- Rep. Williams, Roger [R-TX-25] (R-TX), 2026-03-25T00:00:00.000Z
- Rep. Moore, Tim [R-NC-14] (R-NC), 2026-06-23T00:00:00.000Z

## Provisions PRIA read

- Limits on FCRA class-action awards: cost, high. If enacted, this bill would limit money consumers can win in Fair Credit Reporting Act (FCRA) cases. For individual willful or negligent claims, any award would be the lesser of $100,000 or 40% of the court's damages. In a consumer class action, the class's total recovery (excluding reasonable atto…

## Related bills

- 119-hr-6955: Main Street Capital Access Act
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act
- 119-hr-10184: Consumer Financial Protection Accountability and Reform Act of 2026
- 119-hr-1919: Anti-CBDC Surveillance State Act
- 119-hr-979: AM Radio for Every Vehicle Act of 2025
- 119-hr-703: Main Street Tax Certainty Act

## Sources
- [119-hr-5775 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/5775)

## Related
- [119-hr-6955: Main Street Capital Access Act](https://policyrisk.com/legislation/119-hr-6955)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [119-hr-10184: Consumer Financial Protection Accountability and Reform Act of 2026](https://policyrisk.com/legislation/119-hr-10184)
- [119-hr-1919: Anti-CBDC Surveillance State Act](https://policyrisk.com/legislation/119-hr-1919)
- [119-hr-979: AM Radio for Every Vehicle Act of 2025](https://policyrisk.com/legislation/119-hr-979)
- [119-hr-703: Main Street Tax Certainty Act](https://policyrisk.com/legislation/119-hr-703)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-5775 (as of 2026-09-05).