H.R.9639

H. R. 9639

July 9, 2026

Ms. Tlaib (for herself, Ms. Norton, Ms. Stansbury, and Mr. Carson) introduced the following bill; which was referred to the Committee on Financial Services

A BILL

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.

1. Short title; table of contents; 2. Findings; 3. Effective date; 4. General bureau rulemaking; TITLE I—RESTORING THE IMPAIRED CREDIT OF VICTIMS OF PREDATORY ACTIVITIES AND UNFAIR CONSUMER REPORTING PRACTICES; 101. Shortens the time period that most adverse credit information stays on consumer reports; 102. Mandates the expedited removal of fully paid or settled debt from consumer reports; 103. Prohibits the appearance of medical debt on consumer reports; 104. Provides credit restoration for victims of predatory mortgage lending and servicing; 105. Provides credit relief for education loan borrowers who were defrauded or mislead by proprietary education institution or career education programs; 106. Establishes right for victims of economic abuse to have adverse information removed from their consumer reports; 107. Prohibits treatment of credit restoration or rehabilitation as adverse information; TITLE II—EXPANDING ACCESS TO TOOLS TO PROTECT VULNERABLE CONSUMERS FROM IDENTITY THEFT, FRAUD, OR A RELATED CRIME, AND PROTECT VICTIMS FROM FURTHER HARM; 201. Medical debt definition; 202. Identity theft definition; 203. Identity theft report definition; 204. Amendment to protection for files and credit records of protected consumers; 205. Enhances fraud alert protections; 206. Amendment to security freezes for consumer reports; 207. Clarification of information to be included with agency disclosures; 208. Provides access to fraud records for victims; 209. Requires Bureau to set procedures for reporting identity theft, fraud, and other related crime; 210. Establishes the right to free credit monitoring and identity theft protection services for certain consumers; 211. Ensures removal of inquiries resulting from identity theft, fraud, or other related crime from consumer reports; TITLE III—MISCELLANEOUS; 301. Definitions; 302. Technical correction related to risk-based pricing notices; 303. FCRA findings and purpose; voids certain contracts not in the public interest