FAIR Credit Act

Introduced

In Committee

Floor

Crossed Over

Passed

Enacted

Overview Bill text 1 History 3 Sponsors

Introduced in House Jul 9, 2026 · 12.1K words Open full page ↗

119TH CONGRESS

2D SESSION

H. R. 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,

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PASSAGE PROBABILITY

1% Unlikely

Why this number

Stage base In Committee — base rate 2%, measured from US's completed sessions
Momentum -4 33/100 from the pace of recorded action
Time since last action -12 95 days quiet

A transparent scoring model over stage, momentum, recency, sponsorship and recorded votes — not a trained predictor. Treat it as a way to rank attention, not as a forecast.