H.R. 5775 · 119th Congress · pending
FCRA Liability Harmonization Act
Ordered to be Reported (Amended) by the Yeas and Nays: 27 - 23.
Latest official action 2026-06-30 · Reported
The bill, briefly
FCRA Liability Harmonization Act This bill limits the amount of damages and costs consumer credit reporting agencies must pay for violations of the Fair Credit Reporting Act (FCRA), which regulates the use of consumer information for credit reporting purposes. Under FCRA, consumer credit reporting agencies may be found civilly liable to consumers for willful or negligent noncompliance. The bill eliminates the ability of courts to award unlimited punitive damages to a consumer for a consumer credit reporting agency’s willful noncompliance with FCRA. Regarding a consumer credit reporting agency’s willful or negligent noncompliance with FCRA, the bill limits the amount that may be awarded to consumers for court costs, and in class action lawsuits, specifically by prohibiting the court from applying a minimum amount of damages for each class member and by limiting the total recovery amount of the class.
Congressional Research Service · 2025-10-17
Who reported lobbying on this bill?
Amount spent specifically on this bill: not disclosed
The reports below name this bill and disclose an organization’s overall lobbying expenses or a firm’s client income for the period. They can cover many bills and issues. These amounts are not payments to the bill or its politicians.
No matching lobbying report is imported yet. This is not evidence that no lobbying occurred.
2,409 latest lobbying reports imported. Some source imports are still in progress.
Politicians behind the bill
Sponsors and cosponsors from the official source, limited to members currently in office. Campaign amounts are cycle-wide and are not payments for this bill.
Sponsor
Barry Loudermilk
House · GA District 11 · Republican
$164,744PAC receipts · 2025–2026
Cosponsor
Ann Wagner
House · MO District 2 · Republican
$1,209,244PAC receipts · 2025–2026
Cosponsor
Scott Fitzgerald
House · WI District 5 · Republican
$914,994PAC receipts · 2025–2026
Cosponsor
Daniel Meuser
House · PA District 9 · Republican
$824,780PAC receipts · 2025–2026
Cosponsor
Young Kim
House · CA District 40 · Republican
$1,530,488PAC receipts · 2025–2026
Cosponsor
Bill Huizenga
House · MI District 4 · Republican
$1,628,903PAC receipts · 2025–2026
Cosponsor
Roger Williams
House · TX District 25 · Republican
$520,845PAC receipts · 2025–2026
Cosponsor
Tim Moore
House · NC District 14 · Republican
$493,444PAC receipts · 2025–2026
7 of 7 source cosponsor records retrieved; only current officials and unwithdrawn sponsorships appear.
PAC donors to the listed sponsors
These are all-cycle contributions to the listed sponsors’ and cosponsors’ campaigns. FEC does not attribute them to this bill. A donation plus sponsorship does not establish why a politician acted.
AMERICAN BANKERS ASSOCIATION PAC (BANKPAC)$70,000
Barry Loudermilk · Sponsor · $5,000
Ann Wagner · Cosponsor · $10,000
Scott Fitzgerald · Cosponsor · $7,500
Daniel Meuser · Cosponsor · $10,000
Young Kim · Cosponsor · $7,500
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $10,000
Tim Moore · Cosponsor · $10,000
Official PAC recordERNST & YOUNG POLITICAL ACTION COMMITTEE$67,500
Barry Loudermilk · Sponsor · $2,500
Ann Wagner · Cosponsor · $10,000
Scott Fitzgerald · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $7,500
Young Kim · Cosponsor · $10,000
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $10,000
Tim Moore · Cosponsor · $7,500
Official PAC recordMORTGAGE BANKERS ASSOCIATION POLITICAL ACTION COMMITTEE (MORPAC)$65,500
Barry Loudermilk · Sponsor · $2,500
Ann Wagner · Cosponsor · $5,000
Scott Fitzgerald · Cosponsor · $6,000
Daniel Meuser · Cosponsor · $6,000
Young Kim · Cosponsor · $10,000
Bill Huizenga · Cosponsor · $28,500
Roger Williams · Cosponsor · $5,000
Tim Moore · Cosponsor · $2,500
Official PAC recordAMERICAN INSTITUTE OF CERTIFIED PUBLIC ACCOUNTANTS POLITICAL ACTION COMMITTEE$65,000
Ann Wagner · Cosponsor · $10,000
Scott Fitzgerald · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $10,000
Young Kim · Cosponsor · $5,000
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $10,000
Tim Moore · Cosponsor · $10,000
Official PAC recordUBS AMERICAS INC. POLITICAL ACTION COMMITTEE (UBS PAC)$65,000
Barry Loudermilk · Sponsor · $5,000
Ann Wagner · Cosponsor · $10,000
Scott Fitzgerald · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $10,000
Young Kim · Cosponsor · $10,000
Bill Huizenga · Cosponsor · $10,000
Tim Moore · Cosponsor · $10,000
Official PAC recordINDEPENDENT INSURANCE AGENTS & BROKERS OF AMERICA, INC. POLITICAL ACTION COMMITTEE (INSURPAC)$60,000
Barry Loudermilk · Sponsor · $2,500
Ann Wagner · Cosponsor · $7,500
Scott Fitzgerald · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $10,000
Young Kim · Cosponsor · $10,000
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $5,000
Tim Moore · Cosponsor · $5,000
Official PAC recordREGIONS FINANCIAL CORPORATION POLITICAL ACTION COMMITTEE$59,500
Barry Loudermilk · Sponsor · $2,500
Ann Wagner · Cosponsor · $10,000
Scott Fitzgerald · Cosponsor · $9,000
Daniel Meuser · Cosponsor · $10,000
Young Kim · Cosponsor · $6,000
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $7,500
Tim Moore · Cosponsor · $4,500
Official PAC recordTHE COUNCIL OF INSURANCE AGENTS & BROKERS POLITICAL ACTION COMMITTEE$57,000
Barry Loudermilk · Sponsor · $1,000
Ann Wagner · Cosponsor · $10,000
Scott Fitzgerald · Cosponsor · $7,500
Daniel Meuser · Cosponsor · $10,000
Young Kim · Cosponsor · $10,000
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $2,500
Tim Moore · Cosponsor · $6,000
Official PAC recordNATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS POLITICAL ACTION COMM$53,500
Barry Loudermilk · Sponsor · $2,500
Ann Wagner · Cosponsor · $5,000
Scott Fitzgerald · Cosponsor · $5,000
Daniel Meuser · Cosponsor · $10,000
Young Kim · Cosponsor · $10,000
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $10,000
Tim Moore · Cosponsor · $1,000
Official PAC recordIN THE ARENA PAC$52,500
Ann Wagner · Cosponsor · $7,500
Scott Fitzgerald · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $5,000
Young Kim · Cosponsor · $10,000
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $5,000
Tim Moore · Cosponsor · $5,000
Official PAC recordCAPITAL ONE FINANCIAL CORP. ASSOC. POLITICAL FUND$52,000
Barry Loudermilk · Sponsor · $1,000
Ann Wagner · Cosponsor · $10,000
Scott Fitzgerald · Cosponsor · $5,000
Daniel Meuser · Cosponsor · $5,000
Young Kim · Cosponsor · $10,000
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $10,000
Tim Moore · Cosponsor · $1,000
Official PAC recordALLY FINANCIAL INC. ADVOCACY POLITICAL ACTION COMMITTEE$51,500
Barry Loudermilk · Sponsor · $2,000
Ann Wagner · Cosponsor · $10,000
Scott Fitzgerald · Cosponsor · $2,000
Daniel Meuser · Cosponsor · $7,500
Young Kim · Cosponsor · $5,000
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $10,000
Tim Moore · Cosponsor · $5,000
Official PAC recordNATIONAL APARTMENT ASSOCIATION POLITICAL ACTION COMMITTEE$50,500
Barry Loudermilk · Sponsor · $5,000
Ann Wagner · Cosponsor · $7,500
Scott Fitzgerald · Cosponsor · $4,500
Daniel Meuser · Cosponsor · $3,500
Young Kim · Cosponsor · $10,000
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $5,000
Tim Moore · Cosponsor · $5,000
Official PAC recordJPMORGAN CHASE & CO. FEDERAL POLITICAL ACTION COMMITTEE$49,500
Barry Loudermilk · Sponsor · $2,000
Ann Wagner · Cosponsor · $10,000
Scott Fitzgerald · Cosponsor · $6,500
Daniel Meuser · Cosponsor · $8,500
Young Kim · Cosponsor · $7,500
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $3,000
Tim Moore · Cosponsor · $2,000
Official PAC recordAMERICAN COUNCIL OF LIFE INSURERS POLITICAL ACTION COMMITTEE$48,500
Barry Loudermilk · Sponsor · $1,500
Ann Wagner · Cosponsor · $8,000
Scott Fitzgerald · Cosponsor · $7,000
Daniel Meuser · Cosponsor · $8,000
Young Kim · Cosponsor · $10,000
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $1,000
Tim Moore · Cosponsor · $3,000
Official PAC recordBUILD POLITICAL ACTION COMMITTEE OF THE NATIONAL ASSOCIATION OF HOME BUILDERS (BUILDPAC)$48,500
Ann Wagner · Cosponsor · $3,500
Scott Fitzgerald · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $5,000
Young Kim · Cosponsor · $5,000
Bill Huizenga · Cosponsor · $5,000
Roger Williams · Cosponsor · $10,000
Tim Moore · Cosponsor · $10,000
Official PAC recordPRICEWATERHOUSECOOPERS POLITICAL ACTION COMMITTEE I$48,500
Barry Loudermilk · Sponsor · $0
Ann Wagner · Cosponsor · $10,000
Scott Fitzgerald · Cosponsor · $4,500
Daniel Meuser · Cosponsor · $3,500
Young Kim · Cosponsor · $10,000
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $6,000
Tim Moore · Cosponsor · $4,500
Official PAC recordTHE BANK OF NEW YORK MELLON CORPORATION FEDERAL PAC (BNY FEDPAC)$48,500
Ann Wagner · Cosponsor · $10,000
Scott Fitzgerald · Cosponsor · $7,000
Daniel Meuser · Cosponsor · $10,000
Young Kim · Cosponsor · $6,500
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $2,500
Tim Moore · Cosponsor · $2,500
Official PAC recordAMERICA'S CREDIT UNIONS PAC$47,500
Ann Wagner · Cosponsor · $5,000
Scott Fitzgerald · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $5,000
Young Kim · Cosponsor · $10,000
Bill Huizenga · Cosponsor · $8,000
Roger Williams · Cosponsor · $5,000
Tim Moore · Cosponsor · $4,500
Official PAC recordINVESTMENT COMPANY INSTITUTE POLITICAL ACTION COMMITTEE (ICI PAC)$47,500
Barry Loudermilk · Sponsor · $2,000
Ann Wagner · Cosponsor · $7,500
Scott Fitzgerald · Cosponsor · $7,000
Daniel Meuser · Cosponsor · $8,000
Young Kim · Cosponsor · $7,500
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $1,000
Tim Moore · Cosponsor · $4,500
Official PAC recordAMERICAN FINANCIAL SERVICES ASSOCIATION PAC$47,000
Barry Loudermilk · Sponsor · $5,000
Ann Wagner · Cosponsor · $8,000
Scott Fitzgerald · Cosponsor · $8,000
Young Kim · Cosponsor · $8,500
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $5,000
Tim Moore · Cosponsor · $2,500
Official PAC recordMORGAN STANLEY POLITICAL ACTION COMMITTEE$47,000
Barry Loudermilk · Sponsor · $2,500
Ann Wagner · Cosponsor · $7,000
Scott Fitzgerald · Cosponsor · $6,500
Daniel Meuser · Cosponsor · $4,500
Young Kim · Cosponsor · $10,000
Bill Huizenga · Cosponsor · $7,500
Roger Williams · Cosponsor · $2,500
Tim Moore · Cosponsor · $6,500
Official PAC recordNATIONAL ASSOCIATION OF REALTORS POLITICAL ACTION COMMITTEE$47,000
Barry Loudermilk · Sponsor · $2,000
Ann Wagner · Cosponsor · $5,000
Scott Fitzgerald · Cosponsor · $5,000
Daniel Meuser · Cosponsor · $5,000
Young Kim · Cosponsor · $5,000
Bill Huizenga · Cosponsor · $5,000
Roger Williams · Cosponsor · $10,000
Tim Moore · Cosponsor · $10,000
Official PAC recordCITIGROUP INC. PAC - FEDERAL (CITI PAC - FEDERAL)$45,000
Barry Loudermilk · Sponsor · $1,000
Ann Wagner · Cosponsor · $7,500
Scott Fitzgerald · Cosponsor · $4,500
Daniel Meuser · Cosponsor · $5,500
Young Kim · Cosponsor · $8,000
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $2,000
Tim Moore · Cosponsor · $6,500
Official PAC recordNATIONAL AUTOMOBILE DEALERS ASSOCIATION POLITICAL ACTION COMMITTEE$45,000
Barry Loudermilk · Sponsor · $5,000
Ann Wagner · Cosponsor · $5,000
Scott Fitzgerald · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $5,000
Bill Huizenga · Cosponsor · $5,000
Roger Williams · Cosponsor · $10,000
Tim Moore · Cosponsor · $5,000
Official PAC recordNEW YORK LIFE INSURANCE COMPANY POLITICAL ACTION COMMITTEE$45,000
Ann Wagner · Cosponsor · $10,000
Scott Fitzgerald · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $5,000
Young Kim · Cosponsor · $7,500
Bill Huizenga · Cosponsor · $10,000
Tim Moore · Cosponsor · $2,500
Official PAC recordASSOCIATED BUILDERS AND CONTRACTORS, INC. POLITICAL ACTION COMMITTEE (ABC PAC)$43,500
Scott Fitzgerald · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $10,000
Young Kim · Cosponsor · $2,500
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $8,500
Tim Moore · Cosponsor · $2,500
Official PAC recordTHE VANGUARD GROUP COMMITTEE FOR RESPONSIBLE GOVERNMENT$43,000
Ann Wagner · Cosponsor · $9,000
Scott Fitzgerald · Cosponsor · $7,000
Daniel Meuser · Cosponsor · $10,000
Young Kim · Cosponsor · $2,500
Bill Huizenga · Cosponsor · $10,000
Tim Moore · Cosponsor · $4,500
Official PAC recordWELLS FARGO AND COMPANY EMPLOYEES GOOD GOVERNMENT FEDERAL FUND II$43,000
Barry Loudermilk · Sponsor · $1,000
Ann Wagner · Cosponsor · $10,000
Scott Fitzgerald · Cosponsor · $6,000
Daniel Meuser · Cosponsor · $5,000
Young Kim · Cosponsor · $6,000
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $1,000
Tim Moore · Cosponsor · $4,000
Official PAC recordBANK OF AMERICA CORPORATION FEDERAL PAC$42,500
Barry Loudermilk · Sponsor · $2,000
Ann Wagner · Cosponsor · $10,000
Scott Fitzgerald · Cosponsor · $3,500
Daniel Meuser · Cosponsor · $6,000
Young Kim · Cosponsor · $5,000
Bill Huizenga · Cosponsor · $10,000
Tim Moore · Cosponsor · $6,000
Official PAC recordDELOITTE POLITICAL ACTION COMMITTEE$42,500
Ann Wagner · Cosponsor · $10,000
Scott Fitzgerald · Cosponsor · $7,500
Daniel Meuser · Cosponsor · $5,000
Young Kim · Cosponsor · $7,500
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $2,500
Official PAC recordHUNTINGTON BANCSHARES INC. POLITICAL ACTION COMMITTEE (HBI-PAC)$41,500
Ann Wagner · Cosponsor · $6,000
Scott Fitzgerald · Cosponsor · $5,000
Daniel Meuser · Cosponsor · $7,500
Young Kim · Cosponsor · $3,000
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $7,000
Tim Moore · Cosponsor · $3,000
Official PAC recordSECURITIES INDUSTRY AND FINANCIAL MARKETS ASSOCIATION POLITICAL ACTION COMMITTEE$41,500
Ann Wagner · Cosponsor · $10,000
Scott Fitzgerald · Cosponsor · $6,000
Daniel Meuser · Cosponsor · $2,000
Young Kim · Cosponsor · $8,500
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $2,000
Tim Moore · Cosponsor · $3,000
Official PAC recordKPMG PARTNERS/PRINCIPALS AND EMPLOYEES PAC$40,000
Scott Fitzgerald · Cosponsor · $8,000
Daniel Meuser · Cosponsor · $2,500
Young Kim · Cosponsor · $10,000
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $5,000
Tim Moore · Cosponsor · $4,500
Official PAC recordAMERICAN ISRAEL PUBLIC AFFAIRS COMMITTEE POLITICAL ACTION COMMITTEE$39,952
Barry Loudermilk · Sponsor · -$6
Ann Wagner · Cosponsor · $4,994
Scott Fitzgerald · Cosponsor · $4,994
Daniel Meuser · Cosponsor · $9,994
Young Kim · Cosponsor · $4,994
Bill Huizenga · Cosponsor · $4,994
Roger Williams · Cosponsor · $4,994
Tim Moore · Cosponsor · $4,994
Official PAC recordAFLAC POLITICAL ACTION COMMITTEE (AFLAC PAC)$39,000
Barry Loudermilk · Sponsor · $5,000
Ann Wagner · Cosponsor · $7,500
Scott Fitzgerald · Cosponsor · $5,000
Daniel Meuser · Cosponsor · $2,000
Young Kim · Cosponsor · $5,000
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $2,500
Tim Moore · Cosponsor · $2,000
Official PAC recordON WISCONSIN PAC, INC.$38,500
Scott Fitzgerald · Cosponsor · $10,000
Daniel Meuser · Cosponsor · $1,000
Young Kim · Cosponsor · $10,000
Bill Huizenga · Cosponsor · $7,500
Roger Williams · Cosponsor · $10,000
Official PAC recordU.S. BANCORP FEDERAL POLITICAL ACTION COMMITTEE$38,500
Barry Loudermilk · Sponsor · $1,500
Ann Wagner · Cosponsor · $7,500
Scott Fitzgerald · Cosponsor · $3,000
Daniel Meuser · Cosponsor · $2,500
Young Kim · Cosponsor · $10,000
Bill Huizenga · Cosponsor · $10,000
Roger Williams · Cosponsor · $1,000
Tim Moore · Cosponsor · $3,000
Official PAC recordFMR LLC POLITICAL ACTION COMMITTEE - FEDERAL (FIDELITY PAC)$38,000
Ann Wagner · Cosponsor · $7,500
Daniel Meuser · Cosponsor · $10,000
Young Kim · Cosponsor · $10,000
Bill Huizenga · Cosponsor · $8,000
Tim Moore · Cosponsor · $2,500
Official PAC recordSYNCHRONY FINANCIAL EMPLOYEES POLITICAL ACTION COMMITTEE (SYNCPAC)$37,500
Ann Wagner · Cosponsor · $10,000
Scott Fitzgerald · Cosponsor · $2,500
Daniel Meuser · Cosponsor · $5,000
Young Kim · Cosponsor · $10,000
Bill Huizenga · Cosponsor · $10,000
Official PAC recordThe largest 40 donor totals appear here. Open each politician for their complete, paginated PAC donor list.
What happened after enactment?
This bill is not enacted. Post-enactment results do not apply yet.