FCRA Liability Harmonization Act
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Summary
This bill amends the Fair Credit Reporting Act (FCRA) to establish new caps on civil liability in class action lawsuits against companies that violate consumer credit reporting requirements. For willful violations, it limits total class recovery to the lesser of $500,000 or 1% of the defendant's net worth, with attorney's fees capped at $100,000 or 40% of damages. For negligent violations, it similarly caps total class recovery at $500,000, 1% of net worth, or a combination of costs and attorney's fees not exceeding $100,000 or 40% of damages. The bill also eliminates minimum per-class-member damages in FCRA class actions.
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How your representatives voted
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