This bill protects federal workers' credit scores during government shutdowns by prohibiting credit reporting agencies from recording negative credit information related to federal workers' debts while a shutdown is occurring. The protection applies to any federal employee or District of Columbia worker whose agency loses funding, starting 24 hours after a shutdown begins and lasting for 30 days after the shutdown ends. Federal workers can request that credit reporting agencies delete any negative items from their credit reports that were recorded during this protected period, at no cost to them. The Director of the Office of Management and Budget must notify credit reporting agencies when a shutdown starts and ends so they can comply with the new rules. The law takes effect immediately for any shutdown beginning on or after February 1, 2026.
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