# 119-s-4478: Federal Worker Credit Protection Act of 2026

119-s-4478, Federal Worker Credit Protection Act of 2026, is a 119th Congress bill sponsored by Sen. Kelly, Mark [D-AZ] (D-AZ); status introduced; PRIA reads it as touching household money (as of 2026-05-22).

- Canonical: https://policyrisk.com/legislation/119-s-4478
- As of: 2026-05-22
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-4478
- Congress: 119
- Title: Federal Worker Credit Protection Act of 2026
- Status: introduced
- Introduced: 2026-04-30
- Sponsor: Sen. Kelly, Mark [D-AZ] (D-AZ)
- Cosponsors: 5
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-05-22

## 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. - 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.

## Cosponsors (5)

- Sen. Gallego, Ruben [D-AZ] (D-AZ), 2026-04-30T00:00:00.000Z
- Sen. Van Hollen, Chris [D-MD] (D-MD), 2026-04-30T00:00:00.000Z
- Sen. Kaine, Tim [D-VA] (D-VA), 2026-04-30T00:00:00.000Z
- Sen. Warner, Mark R. [D-VA] (D-VA), 2026-04-30T00:00:00.000Z
- Sen. Alsobrooks, Angela D. [D-MD] (D-MD), 2026-04-30T00:00:00.000Z

## Provisions PRIA read

- Protect federal workers' credit reports: benefit, medium. 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 re…

## Related bills

- 119-s-5108: Right to IVF Act of 2026
- 119-s-1503: Equality Act
- 119-s-1748: Kids Online Safety Act
- 119-s-2150: Women’s Health Protection Act of 2025
- 119-s-2523: John R. Lewis Voting Rights Advancement Act of 2025
- 119-s-3990: PrEP Access and Coverage Act of 2026

## Sources
- [119-s-4478 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/4478)

## Related
- [119-s-5108: Right to IVF Act of 2026](https://policyrisk.com/legislation/119-s-5108)
- [119-s-1503: Equality Act](https://policyrisk.com/legislation/119-s-1503)
- [119-s-1748: Kids Online Safety Act](https://policyrisk.com/legislation/119-s-1748)
- [119-s-2150: Women’s Health Protection Act of 2025](https://policyrisk.com/legislation/119-s-2150)
- [119-s-2523: John R. Lewis Voting Rights Advancement Act of 2025](https://policyrisk.com/legislation/119-s-2523)
- [119-s-3990: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-s-3990)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-4478 (as of 2026-05-22).