Federal Worker Credit Protection Act of 2026

The Federal Worker Credit Protection Act of 2026 prevents credit reporting agencies from including unpaid federal employee debts in credit reports during government shutdowns. It defines a shutdown period as any time when federal funding lapses for more than 24 hours and lasts up to 30 days after funding resumes. During this time, agencies must remove these specific debt items from reports upon request and cannot share them with anyone. The bill also requires the Office of Management and Budget to notify credit agencies when a shutdown begins and ends. These rules apply to federal employees and D.C. workers whose agencies are affected by funding lapses starting on or after February 1, 2026.