hold on there's just too much going on in Congress lmao...
Prevents credit score damage for federal workers during government shutdowns.
Senator Kelly (primary sponsor) and 5 co-sponsors.
In committee, no Senate vote yet.
This bill proposes to amend the Fair Credit Reporting Act to safeguard the credit of federal and D.C. government employees during lapses in appropriations (government shutdowns). It was introduced by Senator Kelly and five co-sponsors in the Senate, where it currently awaits review by the Committee on Banking, Housing, and Urban Affairs before it can proceed to a vote.
Introduced Apr 30, 2026
This bill was introduced in the Senate on April 30, 2026. It has been referred to the Senate Committee on Banking, Housing, and Urban Affairs. For the bill to become law, it must pass through this committee, be voted on and approved by the full Senate, then pass the House of Representatives, and finally be signed by the President.
If passed, federal and D.C. employees would see their credit reports protected from negative marks due to missed payments during government shutdowns. You could request credit reporting agencies to remove any adverse information related to debt incurred during a shutdown period. Additionally, the Office of Management and Budget would be required to inform credit reporting agencies about the start and end of appropriation lapses, ensuring the new rules are applied correctly.
Supporters Say
Supporters believe this bill protects federal workers from financial harm caused by government shutdowns.
Critics Say
Critics might argue it could create administrative burdens or reduce accountability for individual financial obligations.
This bill aims to alleviate financial stress on federal workers who may experience delayed pay during government shutdowns, ensuring their credit scores are not unfairly penalized. While the bill text does not detail specific criticisms, some might raise concerns about the administrative complexity for credit agencies or the precedent of exempting certain groups from typical credit reporting standards, even under unique circumstances.