Section 1 Short title
This Act may be cited as the “Federal Worker Credit Protection Act of 2019”.
Federal Worker Credit Protection Act of 2019
A BILL
To amend the Fair Credit Reporting Act to prohibit certain persons from furnishing negative credit information of furloughed employees, and for other purposes.
Sec. 2 Prohibition on furnishing negative credit information of furloughed employees
Section 623(a)(1) of the Fair Credit Reporting Act (15 U.S.C. 1681s–2(a)(1)) is amended by adding at the end the following new subparagraph:
“(F) Reporting information of furloughed employees
“(i) In general—Notwithstanding any other provision of this section and upon request of a furloughed employee, a person that furnishes information to any consumer reporting agency may not provide negative credit information of such furloughed employee to a consumer reporting agency if the action or inaction to which such negative credit information relates originated, and was rectified, during the period beginning 30 days before a shutdown and ending 90 days after such shutdown.
“(ii) Notification—With respect to any negative credit information described in clause (i) and upon request of the furloughed employee to which such negative credit information relates, a person that furnishes information to any consumer reporting agency shall notify a consumer reporting agency that the action or inaction to which such negative credit information relates occurred during the period described in clause (i).
“(iii) Definitions—For purposes of this subparagraph—
“(I) the term “furloughed employee” means—
“(aa) a Federal or District of Columbia employee who is furloughed or excepted from furlough during a shutdown; and
“(bb) a Federal contractor who, during a shutdown, is not receiving pay by reason of such shutdown; and
“(II) the term “shutdown” means any lapse in appropriations beginning on or about December 22, 2018.”