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119-s-4478119th CongressWALLET
Federal Worker Credit Protection Act of 2026
Sponsored By: Senator Kelly, Mark [D-AZ]
Introduced
Summary
Shield federal workers' credit reports during government shutdowns. This bill would prevent consumer reporting agencies from listing adverse debt items for covered federal employees during a defined shutdown period when the worker asks for removal. It also requires the Office of Management and Budget to tell relevant credit agencies when a lapse in appropriations starts and ends.
Show full summary
- Federal employees: If a covered employee directly requests it, adverse debt items must be deleted from their consumer report at no charge and blocked from disclosure during the covered period. The covered period begins after a more-than-24-hour lapse in appropriations and ends 30 days after appropriations resume.
- Consumer reporting agencies described in section 603(p): Must delete and prohibit disclosure of adverse information about covered individuals during the covered period when requested.
- Office of Management and Budget: The Director must notify each covered consumer reporting agency of the start and end of any lapse in appropriations that affects covered individuals.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Protect federal workers' credit reports
This bill would let federal and D.C. employees ask certain credit reporting agencies to delete adverse information tied to their debt during specific government shutdowns. A covered period would begin after a lapse in appropriations longer than 24 hours and would end 30 days after appropriations resume. If you are a covered individual and you make a direct request during that period, the agency would delete the adverse debt item at no charge and would stop sharing it with anyone who requests your report. The Office of Management and Budget Director would have to notify the affected consumer reporting agencies when a lapse starts and ends. The rule would apply to covered periods that begin on or after February 1, 2026.
Sponsors & CoSponsors
Sponsor
Kelly, Mark [D-AZ]
AZ • D
Cosponsors
Sen. Gallego, Ruben [D-AZ]
AZ • D
Sponsored 4/30/2026
Sen. Van Hollen, Chris [D-MD]
MD • D
Sponsored 4/30/2026
Sen. Kaine, Tim [D-VA]
VA • D
Sponsored 4/30/2026
Sen. Warner, Mark R. [D-VA]
VA • D
Sponsored 4/30/2026
Sen. Alsobrooks, Angela D. [D-MD]
MD • D
Sponsored 4/30/2026
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov