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.

7/10/2026, 8:05 AM

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.

Current Status of Bill HR 9639

Bill HR 9639 is currently in the status of Bill Introduced since July 9, 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 Referred to the House Committee on Financial Services. as of July 9, 2026

Bipartisan Support of Bill HR 9639

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Unaffiliated Sponsors

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Policy Area and Potential Impact of Bill HR 9639

Primary Policy Focus

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.