HR 9639 · 119th CongressIn Committeecongress.gov ↗
To amend the Fair Credit Reporting Act to restore the impaired credit of victims of predatory activities and unfair consumer reporting practices, to expand access to tools to protect vulnerable consumers from identity theft, fraud, or a related crime, and protect victims from further harm, and for other purposes.
Road to The Floor
How it worksIntroduced
In Committee
On The Floor
Passed a Chamber
Passed Congress
To President
Became Law
What this bill does
AI plain-language summaryThis bill would change the Fair Credit Reporting Act to help fix the damaged credit of people who have been harmed by predatory practices or unfair credit reporting. It would also give vulnerable consumers better access to tools that protect them from identity theft and fraud, and add protections for victims of these crimes. No official summary is available for this bill.
Introduced
July 9, 2026
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