Bill · H.R. 7588· House(119-HR-7588)
Eliminating Fraud in the CFPB’s Complaint Database Act
- Introduced
- 2/17/2026
- Last activity
- 2/17/2026 — Referred to the House Committee on Financial Services.
- Sponsored by
- Andy Barr
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
This bill, titled the "Eliminating Fraud in the CFPB's Complaint Database Act," aims to amend the Consumer Financial Protection Act of 2010. It requires individuals who submit complaints to the Bureau to attest, under penalty of perjury, that their information is true and that they have already contacted the relevant company at least 60 days prior. The bill also establishes rules for authorized representatives to act on a consumer's behalf by providing specific identification and written documentation. Additionally, it grants companies the authority to close certain complaints if they are found to be duplicative, frivolous, unauthorized, or if the consumer did not provide prior notice. Finally, the act mandates the confidentiality of complaint narratives and allows for the publication of aggregated data.
Yes
No question was scored yes.
The opposite
Does this give people more protection from unfair business practices?-4
The bill introduces new barriers to the complaint process, such as a 60-day notice requirement and penalty of perjury, which may hinder consumer recourse.
Would households on low incomes be better off under this?-3
The requirement to contact companies 60 days prior and provide formal identification could create significant procedural burdens for low-income consumers.
Does this make what the government does easier for the public to see?-2
By mandating that complaint narratives remain confidential, the bill limits the public visibility of consumer grievances.
Who it would affect, and how
Potential Positive Impacts for People
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Protection against unauthorized complaints: If a complaint is submitted in a consumer's name without their permission, the Director is required to inform the consumer and provide the company with the name of the unauthorized submitter (Section 2, Clause E(ii)).
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Maintaining confidentiality: The Bureau is required to ensure that the narrative content within complaints and company responses remains confidential and is not made publicly viewable (Section 2, Clause G(i)).
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Data-driven insights: The Bureau is permitted to publish analyzed trends and aggregated data regarding complaints, provided it does not include personally identifiable information or specific narratives (Section 2, Clause G(ii)).
Potential Negative Impacts for People
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Increased requirements for submitting complaints: Consumers must now attest under penalty of perjury that their documentation is true and that they informed the company of the issue at least 60 days before contacting the Bureau (Section 2, Clause E(i)).
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Burden on representatives: Individuals acting on behalf of a consumer must provide sufficient proof of identification—such as a social security number, birth certificate, or driver's license—and a signed written document from the consumer (Section 2, Clause E(i) and E(iii)).
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Risk of complaints being closed without action: Companies are given the authority to close complaints without further action if they determine the complaint is duplicative, frivolous, lacking a basis in fact, submitted for a fraudulent purpose, or if the consumer did not provide 60 days of prior notice (Section 2, Clause F(i)).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Economy And Finance
- Improves Consumer Protection-4
- Demographic And Interest Groups
- Good For Low Income Households-3
- Governance And Ideology
- Improves Government Transparency-2
- 2/17/2026
- Referred to the House Committee on Financial Services.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.