S 4478

This bill, the Federal Worker Credit Protection Act of 2026, aims to protect the credit of federal employees during government shutdowns. It modifies the Fair Credit Reporting Act to prevent consumer reporting agencies from reporting negative debt information about federal workers during a ‘covered period,’ which is defined as a lapse in appropriations lasting more than 24 hours followed by a 30-day period of no lapse. Federal employees affected by a shutdown can request the deletion of this information from their credit reports, and reporting agencies are required to comply with these requests free of charge. The bill also requires the Office of Management and Budget to notify credit reporting agencies about government shutdowns.