Bill · S. 4478· Senate(119-S-4478)
Federal Worker Credit Protection Act of 2026
- Introduced
- 4/30/2026
- Last activity
- 4/30/2026 — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Sponsored by
- Mark Kelly
- Cosponsors
- - 5 - 0
- Introduced
- In Committee
What this bill would do
The Federal Worker Credit Protection Act of 2026 aims to protect the credit of Federal workers during government shutdowns. It amends the Fair Credit Reporting Act to prevent certain adverse information from being reported during these times. This applies to employees of the U.S. Government or the District of Columbia whose agencies face a lapse in appropriations. The protection begins after a 24-hour lapse and lasts until 30 days after the lapse ends. Consumer reporting agencies must delete excluded information upon request from a covered individual at no cost.
Yes· 3 of 6
Does this give people more protection from unfair business practices?+6
The bill protects federal workers from adverse credit reporting due to unpaid wages during government shutdowns.
Would middle-income households be better off under this?+3
Federal workers, who often represent middle-income households, receive protection against credit damage during shutdowns.
Does this protect people from being watched or searched?+3
The bill allows individuals to request the deletion of specific debt information from their consumer reports at no cost.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
-
Protection of Credit Scores: The bill prevents adverse information related to debt from being included in consumer reports for covered individuals during a shutdown (Section 2(a)(1)). This helps protect the financial standing of workers when they are not receiving pay.
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Cost-Free Data Removal: If a consumer who is a covered individual requests it, consumer reporting agencies must delete the excluded information for free (Section 2(a)(2)). This ensures that workers are not burdened with fees while trying to correct their credit records.
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Prevention of Information Disclosure: The bill prohibits consumer reporting agencies from disclosing the excluded information to anyone requesting a consumer report (Section 2(a)(2)). This keeps the debt information from affecting a worker's ability to access other financial services during a lapse in appropriations.
Potential Negative Impacts for People
- No negative impacts are explicitly mentioned in the text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Middle Class Households+3Good For Low Income Households+2Good For Urban Residents+2
- Economy And Finance
- Improves Consumer Protection+6
- Governance And Ideology
- Improves Privacy Rights+3
- Social Issues And Justice
- Improves Poverty Reduction+2
- 4/30/2026
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- 5 Cosponsors added.
- Introduced in Senate
Angela AlsobrooksDemocrat · Maryland
Ruben GallegoDemocrat · Arizona
Timothy KaineDemocrat · Virginia
Chris Van HollenDemocrat · Maryland
Mark WarnerDemocrat · Virginia