FAIR Credit Act

Hozzl · 2026-07-23T17:03:40Z

Explore the details of House Bill 9639 FAIR Credit Act currently in Congress. Get insights into its purpose, current status, sponsors, and potential impact on Finance and Financial Sector. Stay informed on legislative developments.

7/23/2026, 5:03 PM

Summary of Bill HR 9639

The bill, designated as H.R. 9639 in the 119th Congress, aims to amend the Fair Credit Reporting Act to address issues related to impaired credit resulting from predatory activities and unfair consumer reporting practices. The bill seeks to enhance access to protective tools for vulnerable consumers to mitigate risks of identity theft, fraud, and related crimes. Additionally, the legislation aims to safeguard victims from further harm.

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Current Status of Bill HR 9639

Bill HR 9639 is currently in the status of Bill Introduced since July 21, 2026. Bill HR 9639 was introduced during Congress 119 and was introduced to the House on July 9, 2026. Bill HR 9639's most recent activity was Sponsor introductory remarks on measure. (CR H4694-4695) as of July 21, 2026

Bipartisan Support of Bill HR 9639

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Policy Area and Potential Impact of Bill HR 9639

Primary Policy Focus

Finance and Financial Sector

Alternate Title(s) of Bill HR 9639

To amend the Fair Credit Reporting Act to restore the impaired credit of victims of predatory activities and unfair consumer reporting practices, to expand access to tools to protect vulnerable consumers from identity theft, fraud, or a related crime, and protect victims from further harm, and for other purposes.

Comments

Allyson Gonzalez

1,117

2 months ago

I think this bill is bad for us. It make it harder for people like me to get credit. It not fair. It affect young people and other marginalized groups.