S. 4478

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[S. 4478 Introduced in Senate (IS)]

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119th CONGRESS
2d Session
S. 4478

To protect the credit of Federal workers during a government shutdown.

_______________________________________________________________________

IN THE SENATE OF THE UNITED STATES

April 30, 2026

Mr. Kelly (for himself, Mr. Gallego, Mr. Van Hollen, Mr. Kaine, Mr. 
Warner, and Ms. Alsobrooks) introduced the following bill; which was 
read twice and referred to the Committee on Banking, Housing, and Urban 
Affairs

_______________________________________________________________________

A BILL

To protect the credit of Federal workers during a government shutdown.

Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the ``Federal Worker Credit Protection Act 
of 2026''.

SEC. 2. PROHIBITION ON REPORTING ADVERSE ITEMS OF INFORMATION RELATING 
TO FEDERAL WORKERS DURING GOVERNMENT SHUTDOWNS.

(a) In General.--Section 605 of the Fair Credit Reporting Act (15 
U.S.C. 1681c) is amended--
(1) in subsection (a), by adding at the end the following:
``(9) With respect to a consumer reporting agency described 
in section 603(p), any item of adverse information related to 
the debt of Federal workers during a covered period, as those 
terms are defined in subsection (i).''; and
(2) by adding at the end the following:
``(i) Government Shutdowns.--
``(1) Definitions.--In this subsection:
``(A) Covered individual.--The term `covered 
individual' means an employee of the United States 
Government or the District of Columbia whose employing 
agency is subject to a lapse of appropriations.
``(B) Covered period.--The term `covered period' 
means the period beginning on the date on which there 
is more than a 24-hour lapse in appropriations and 
ending on the date that is 30 days after the date on 
which there is no longer a lapse in appropriations.
``(2) Request to delete.--A consumer reporting agency, upon 
receiving a direct request from a consumer who is a covered 
individual during a covered period shall, free of charge, 
delete information excluded under subsection (a)(9) in the 
consumer report of the consumer and prohibit the consumer 
reporting agency from disclosing such information in the 
consumer report of the consumer to any person requesting the 
consumer report.
``(3) Notification.--The Director of the Office of 
Management and Budget shall submit to each consumer reporting 
agency described in section 603(p) a notification of the start 
and end of a lapse in appropriations impacting covered 
individuals.''.
(b) Technical and Conforming Amendment.--Section 605(c)(1) of the 
Fair Credit Reporting Act (15 U.S.C. 1681c(c)(1)) is amended by 
striking ``paragraphs (4) and (6)'' and inserting ``paragraphs (4), 
(6), and (9)''.
(c) Effective Date.--This Act, and the amendments made by this Act, 
shall apply to a covered period that begins on or after February 1, 
2026.
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