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.
Key claim: HR9639 would amend the Fair Credit Reporting Act to restore impaired credit of victims of predatory and unfair consumer reporting practices and expand tools protecting vulnerable consumers from identity theft and fraud.
Abstract
(HR9639 · 119th Congress) Latest action (2026-07-09): Referred to the House Committee on Financial Services.
Why this matters
HR9639 would expand individual data rights under the FCRA by creating pathways to restore credit files damaged through predatory practices or identity theft, and would broaden the toolkit available to vulnerable consumers to prevent further harm. For consumer reporting agencies and furnishers, it signals additional obligations around remediation and victim assistance beyond existing FCRA baselines. Status: introduced in the House.