Prohibits consumer reporting agencies from making reports containing adverse information related to employees affected by federal government shutdown.

This bill prohibits consumer reporting agencies and users of consumer reports (like landlords or employers) from considering negative information related to federal government shutdowns when evaluating affected employees. It directly affects federal workers and contractors whose pay was suspended during a shutdown, allowing them to request that agencies and users ignore this negative information for 90 days after a shutdown ends. Employees must provide proof of employment and pay suspension to trigger this protection. The law applies retroactively to all shutdowns beginning December 22, 2018, and requires agencies/users to respond to requests within five days.