# 119-hr-9828: Federal Employee Financial Protection Act of 2026

119-hr-9828, Federal Employee Financial Protection Act of 2026, is a 119th Congress bill sponsored by Rep. Alford, Mark [R-MO-4] (R-MO); status introduced; PRIA reads it as touching household money (as of 2026-08-05).

- Canonical: https://policyrisk.com/legislation/119-hr-9828
- As of: 2026-08-05
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-9828
- Congress: 119
- Title: Federal Employee Financial Protection Act of 2026
- Status: introduced
- Introduced: 2026-07-22
- Sponsor: Rep. Alford, Mark [R-MO-4] (R-MO)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-08-05

## Summary

**Protect federal employees' credit during government shutdowns.** This bill would bar consumer reporting agencies from listing late or missed payments that occurred while a federal employee was furloughed or required to work without pay during a lapse in appropriations. - Federal employees: Federal employees furloughed or required to work without pay would not have late or missed payments from the shutdown period included on their consumer reports. - Consumer reporting agencies: They would be barred from including those adverse items and must treat such payments as if they were made when generating reports. - Consumer Financial Protection Bureau: The Bureau's director would have to issue rules to implement the change within 30 days after enactment. - Private lenders: The bill urges private lenders to offer temporary forbearance, waive late fees incurred during the lapse, and refrain from furnishing adverse credit information for those missed payments.

## Provisions PRIA read

- Protect federal workers' credit reports: benefit, medium. This bill would stop consumer reporting agencies from listing late payments or nonpayments on a federal employee's credit report if the delinquency happened during a government shutdown that delayed pay. It would require agencies to treat those accounts as if the payment had been made when creating…

## Related bills

- 119-hr-4669: FEMA Act of 2025
- 119-hr-10115: Radiation Exposure Compensation Reauthorization Act of 2026
- 119-hr-7613: ALERT Act
- 119-hr-1656: PLUS for Veterans Act of 2025
- 119-hr-3132: CHOICE for Veterans Act of 2025
- 119-hr-4206: CONNECT for Health Act of 2025

## Sources
- [119-hr-9828 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/9828)

## Related
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-10115: Radiation Exposure Compensation Reauthorization Act of 2026](https://policyrisk.com/legislation/119-hr-10115)
- [119-hr-7613: ALERT Act](https://policyrisk.com/legislation/119-hr-7613)
- [119-hr-1656: PLUS for Veterans Act of 2025](https://policyrisk.com/legislation/119-hr-1656)
- [119-hr-3132: CHOICE for Veterans Act of 2025](https://policyrisk.com/legislation/119-hr-3132)
- [119-hr-4206: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-hr-4206)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-9828 (as of 2026-08-05).