# 119-hr-7588: Eliminating Fraud in the CFPB’s Complaint Database Act

119-hr-7588, Eliminating Fraud in the CFPB’s Complaint Database Act, is a 119th Congress bill sponsored by Rep. Barr, Andy [R-KY-6] (R-KY); status introduced; PRIA reads it as touching household money (as of 2026-09-10).

- Canonical: https://policyrisk.com/legislation/119-hr-7588
- As of: 2026-09-10
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-7588
- Congress: 119
- Title: Eliminating Fraud in the CFPB’s Complaint Database Act
- Status: introduced
- Introduced: 2026-02-17
- Sponsor: Rep. Barr, Andy [R-KY-6] (R-KY)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-10

## Summary

**Requires consumer attestations under penalty of perjury and ID verification for CFPB complaint submissions.** This bill would add identity checks, a 60‑day notice rule, new closure powers for questionable complaints, and limits on publishing complaint narratives. - Consumers: Must attest under penalty of perjury that information is true, that they or an authorized representative submitted the complaint, and that they told the company about the issue at least 60 days before filing. - Covered companies required to respond: May close complaints that are duplicative, frivolous, unauthorized, submitted for fraud, or where the consumer was not given 60 days to notify the company; companies must notify the Bureau unit and the unit will record such closures. - Third‑party filers and representatives: Must supply sufficient proof of identification such as a Social Security number, certified birth certificate, or government ID and a signed authorization; the Bureau must, when practicable, tell consumers if someone filed a complaint in their name and give the covered company the submitter's name. The bill would also keep complaint narrative content confidential while allowing the Bureau to publish aggregated, non‑identifying complaint trends.

## Provisions PRIA read

- Complaint Narratives Kept Private: benefit, medium. If enacted, the bill would bar the Bureau from publishing or making publicly viewable the narrative text in consumer complaints and the narrative parts of covered persons' responses. The Bureau would still be allowed to publish aggregated complaint data and trend analysis. Any published data or ana…
- New ID and Attestation Rules for Consumers: mixed, medium. If enacted, the bill would require anyone who files a complaint with the Bureau to sign an attestation under penalty of perjury that the complaint is true to the best of their knowledge. The attestation must say the filer is the consumer or an authorized representative with a signed written authori…
- Companies Could Close Some Complaints: mixed, medium. If enacted, the bill would let a covered person who must respond to complaints close a complaint without further action after a reasonable determination in several cases. They could close complaints that are duplicative of a previously resolved complaint, frivolous or lacking a factual basis, not s…

## Related bills

- 119-hr-137: TCJA Permanency Act
- 119-hr-4312: SCORE Act
- 119-hr-2725: Affordable Housing Credit Improvement Act of 2025
- 119-hr-6955: Main Street Capital Access Act
- 119-hr-8398: Guidelines for Use, Access, and Responsible Disclosure of Financial Data Act
- 119-hr-2246: Foreign Investment Guardrails to Help Thwart (FIGHT) China Act

## Sources
- [119-hr-7588 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/7588)

## Related
- [119-hr-137: TCJA Permanency Act](https://policyrisk.com/legislation/119-hr-137)
- [119-hr-4312: SCORE Act](https://policyrisk.com/legislation/119-hr-4312)
- [119-hr-2725: Affordable Housing Credit Improvement Act of 2025](https://policyrisk.com/legislation/119-hr-2725)
- [119-hr-6955: Main Street Capital Access Act](https://policyrisk.com/legislation/119-hr-6955)
- [119-hr-8398: Guidelines for Use, Access, and Responsible Disclosure of Financial Data Act](https://policyrisk.com/legislation/119-hr-8398)
- [119-hr-2246: Foreign Investment Guardrails to Help Thwart (FIGHT) China Act](https://policyrisk.com/legislation/119-hr-2246)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-7588 (as of 2026-09-10).