What does Preamble of FCRA Liability Harmonization Act do?

This bill proposes to amend the civil liability requirements under the Fair Credit Reporting Act. The amendments relate to requirements concerning class actions. The bill's stated purpose is 'to amend the civil liability requirements under the Fair Credit Reporting Act to include requirements relating to class actions, and for other purposes.'

What does SHORT TITLE. of FCRA Liability Harmonization Act do?

This bill is formally titled the FCRA Liability Harmonization Act.

What does MAINTAINING CONSISTENCY IN CIVIL LIABILITY UNDER THE FAIR of FCRA Liability Harmonization Act do?

This section amends Section 616 of the Fair Credit Reporting Act to modify provisions related to willful noncompliance. It introduces a new subsection (d) within Section 616 addressing class action lawsuits related to willful noncompliance, limiting total recovery and costs. The court may not apply a minimum amount of damages for each member of a class in a class action lawsuit under Section 616. This section also amends Section 617 of the Fair Credit Reporting Act to modify provisions related to negligent noncompliance. A new subsection (c) is added to Section 617 to address class action lawsuits concerning negligent noncompliance, establishing limits on total recovery and costs. For willful noncompliance, the total recovery is capped at the lesser of $500,000 or 1 percent of the person’s net worth. For negligent noncompliance, the total recovery is capped at the lesser of $500,000 or 1 percent of the person’s net worth.

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FCRA Liability Harmonization Act

Last updated: 10/17/2025 · Introduced: 10/17/2025

Author: Barry Loudermilk (R-GA)

TL;DR (AI)

The bill amends the Fair Credit Reporting Act to establish limits on total recovery and costs in class action lawsuits related to both willful and negligent noncompliance.
For violations involving willful noncompliance, the total recovery is capped at the lesser of $500,000 or 1 percent of the defendant’s net worth.
The bill prohibits courts from applying a minimum amount of damages per class member in class action lawsuits under the Fair Credit Reporting Act.

119th Congressin committeeOfficial page

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Includes provisions on preamble, short title., and 1 more.

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