Fair Credit for American Hostages Act

This bill amends the Fair Credit Reporting Act to protect U.S. citizens unlawfully detained or held hostage abroad. It requires credit bureaus to remove negative credit information reported during the period of detention or captivity if they verify official documentation. Covered consumers must provide authentication from the Special Presidential Envoy for Hostage Affairs or the Hostage Recovery Fusion Cell to trigger this protection. The law directly affects Americans wrongfully detained overseas by ensuring their credit reports reflect the time they were held, not the financial consequences of their captivity. This creates a concrete policy change in credit reporting practices for victims of international hostage situations.