H.R. 9639 · Where this bill is now
In committee
Introduced in the House, sent to the Committee on Financial Services, Jul 9, 2026
119th Congress
2nd SessionH. R. 9639
2nd SessionH. R. 9639
A BILL
FAIR Credit Act
In the HouseNo vote yet
Sponsor: Rep. Rashida Tlaib (D-MI-12) · Introduced Jul 9, 2026 · Finance and Financial Sector · 1 version of the text
Sources: Congress.gov actions and votes · bill text from GovInfo · latest official action Jul 21, 2026: “Sponsor introductory remarks on measure. (CR H4694-4695)”
Sections
Sections · 4
Title I — Restoring the Impaired Credit of Victims of Predatory Activities and Unfair Consumer Reporting Practices · 7
- Sec. 101Shortens the time period that most adverse credit information stays on consumer reportsNo change
- Sec. 102Mandates the expedited removal of fully paid or settled debt from consumer reportsNo change
- Sec. 103Prohibits the appearance of medical debt on consumer reportsNo change
- Sec. 104Provides credit restoration for victims of predatory mortgage lending and servicingNo change
- Sec. 105Provides credit relief for education loan borrowers who were defrauded or mislead by proprietary education institution or career education programsNo change
- Sec. 106Establishes right for victims of economic abuse to have adverse information removed from their consumer reportsNo change
- Sec. 107Prohibits treatment of credit restoration or rehabilitation as adverse informationNo change
Title II — Expanding Access to Tools to Protect Vulnerable Consumers From Identity Theft, Fraud, or a Related Crime, and Protect Victims From Further Harm · 11
- Sec. 201Medical debt definitionNo change
- Sec. 202Identity theft definitionNo change
- Sec. 203Identity theft report definitionNo change
- Sec. 204Amendment to protection for files and credit records of protected consumersNo change
- Sec. 205Enhances fraud alert protectionsNo change
- Sec. 206Amendment to security freezes for consumer reportsNo change
- Sec. 207Clarification of information to be included with agency disclosuresNo change
- Sec. 208Provides access to fraud records for victimsNo change
- Sec. 209Requires Bureau to set procedures for reporting identity theft, fraud, and other related crimeNo change
- Sec. 210Establishes the right to free credit monitoring and identity theft protection services for certain consumersNo change
- Sec. 211Ensures removal of inquiries resulting from identity theft, fraud, or other related crime from consumer reportsNo change