FCRA Liability Harmonization Act
To amend the civil liability requirements under the Fair Credit Reporting Act to include requirements relating to class actions, and for other purposes.
The FCRA Liability Harmonization Act aims to change the rules on how civil liability works under the Fair Credit Reporting Act (FCRA). Specifically, it seeks to update the requirements for class action lawsuits, which allow many people to join together in a single lawsuit to claim damages.
This bill would affect credit reporting agencies and consumers. If passed, it would make it easier for consumers to join together in a lawsuit against credit reporting agencies for certain violations of their rights under the FCRA. The changes could lead to more collective action against agencies that misuse personal credit information.
HB5775 was introduced in the House on October 17, 2025. It was referred to the Committee on Financial Services and the Committee on the Judiciary. On June 30, 2026, the bill was reported back from the committee with amendments. The next steps will involve further consideration and potential voting by the full House.
