H.R. 2359: FCRA Liability Harmonization Act

115th Congress · introduced 2017-05-04 · Finance and Financial Sector · Latest: Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral.

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Follow this bill, step by step

Where it came from: introduced 2017-05-04 · official record
Who proposed it: Rep. Loudermilk, Barry [R-GA-11] · what a sponsor is
What happened next: no floor votes in our records yet. Why?
Where it stands now: Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral. Not final yet: this can still change. We check for updates every day.
If it becomes law and spends money: follow the money to money laws, then agencies and contracts and grants.

What does this mean?

Official title

FCRA Liability Harmonization Act

Plain summary

FCRA Liability Harmonization Act This bill amends the Fair Credit Reporting Act to limit the recovery amount available in a class action lawsuit to the lesser of $500,000 or 1% of the net worth of the defendant. The bill also eliminates the awarding of punitive damages.

Congressional Research Service summary (Introduced in House), quoted unchanged (nonpartisan). Read the source.

What a vote does

A “Yea” vote

If it passes both chambers and is signed, it becomes law.

A “Nay” vote

If it is not passed, current law stays as it is.

PSI Sci description of the legislative step (not an opinion).

What does this mean? (plain words)

Official text

FCRA Liability Harmonization Act

Source: Congressional Research Service summary (Introduced in House)

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The strongest published arguments

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How did my representative vote? · This bill's floor votes

Officials and money

Sponsor: Rep. Loudermilk, Barry [R-GA-11] · 13 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Ted Budd (R-NC), Ann Wagner (R-MO), Tom Emmer (R-MN), Frank D. Lucas (R-OK), Bill Huizenga (R-MI), Roger Williams (R-TX)

Sponsor's campaign money: Rep. Loudermilk, Barry [R-GA-11] reported raising $263,729 (2025–2026). Details. Shown for context only; it does not mean any donor supported this bill.

No linked floor roll calls in our collected records yet. This does not mean the bill has never had a vote. Check the official bill history.

Words on this page, explained (1)

Bill: A proposed law. It becomes law only if it passes the legislature and is signed by the president or governor (or a veto is overridden).

Plain meanings written from linked sources. All words.

Sources

Congressional Research Service summary (Introduced in House)
Congress.gov
Data: GovInfo BILLSTATUS bulk data (Library of Congress), BILLSTATUS-115hr2359.xml <https://www.govinfo.gov/bulkdata/BILLSTATUS/115/hr>

Record fed-us-cong115-hr2359 · catalog fed-us-congress-bills-cong115 · updated 2026-11-15 by psicol fed-bills-cong115