I 
119TH CONGRESS 
2D SESSION 
H. R. 7588 
To amend the Consumer Financial Protection Act of 2010 to require the 
attestation of certain information as part of the consumer complaint 
submission process, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
FEBRUARY 17, 2026 
Mr. BARR introduced the following bill; which was referred to the Committee 
on Financial Services 
A BILL 
To amend the Consumer Financial Protection Act of 2010 
to require the attestation of certain information as part 
of the consumer complaint submission process, and for 
other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Eliminating Fraud in 
the CFPB’s Complaint Database Act’’. 
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SEC. 2. COLLECTING AND TRACKING COMPLAINTS. 
Section 1013(b)(3) of the Consumer Financial Pro-
tection Act of 2010 (12 U.S.C. 5493(b)(3)) is amended 
by adding at the end the following: 
‘‘(E) CONSUMER ATTESTATION.— 
‘‘(i) IN GENERAL.—The Director shall 
require, using such verification mecha-
nisms as the Director determines appro-
priate, each person who submits a com-
plaint to the unit established under this 
paragraph to attest, under penalty of per-
jury, that— 
‘‘(I) the information and docu-
mentation provided in the complaint is 
true and accurate to the best of the 
consumer’s knowledge; 
‘‘(II) the complaint is being sub-
mitted directly by— 
‘‘(aa) the consumer; or 
‘‘(bb) a representative au-
thorized to act on the behalf of 
the consumer who provides suffi-
cient proof of identification and a 
written document signed by the 
consumer that permits the third 
party to act on the behalf of the 
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consumer specifically as it relates 
to submitting a complaint to the 
Bureau; and 
‘‘(III) the consumer directly in-
formed the covered person who is re-
quired to respond to complaints under 
subsection (b) and (c) of section 1034 
to which the complaint relates of the 
issue about which the consumer is 
submitting the complaint not less 
than 60 days before submitting the 
complaint to the Bureau. 
‘‘(ii) NOTIFICATION REQUIREMENT.— 
If the Director finds, when carrying out 
clause (i), that a complaint submitted in 
the name of a consumer was not submitted 
by such consumer or by a representative 
authorized to act on the behalf of such 
consumer, the Director shall to the degree 
practicable— 
‘‘(I) inform the consumer in 
whose name the complaint was filed 
that such complaint was submitted in 
their name, without their authoriza-
tion; and 
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‘‘(II) provide to the covered per-
son who is required to respond to 
complaints under subsection (b) and 
(c) of section 1034 to whom the com-
plaint relates the name of the person 
who submitted the complaint without 
the authorization of the consumer. 
‘‘(iii) SUFFICIENT PROOF OF IDENTI-
FICATION DEFINED.—The term ‘sufficient 
proof of identification’ means information 
or documentation that identifies a pro-
tected consumer and a protected con-
sumer’s representative and includes— 
‘‘(I) a social security number or 
a copy of a social security card issued 
by the Social Security Administration; 
‘‘(II) a certified or official copy 
of a birth certificate issued by the en-
tity authorized to issue the birth cer-
tificate; or 
‘‘(III) a copy of a driver’s license, 
an identification card issued by the 
motor vehicle administration, or any 
other government issued identifica-
tion. 
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‘‘(F) CLOSURE
OF
DUPLICATIVE, FRIVO-
LOUS OR UNAUTHORIZED COMPLAINTS.—— 
‘‘(i) IN GENERAL.—A covered person 
who is required to respond to complaints 
under subsection (b) and (c) of section 
1034 that receives a consumer complaint 
from the unit established under this para-
graph may, upon reasonable determination, 
close such complaint without further action 
if— 
‘‘(I) the complaint, as determined 
by such covered person— 
‘‘(aa) is duplicative of a pre-
viously submitted and resolved 
complaint submitted by the same 
consumer relating to the same 
issue; 
‘‘(bb) is frivolous or lacking 
a basis in fact; 
‘‘(cc) was not submitted by 
the consumer or an individual 
authorized to act on the behalf of 
the consumer; or 
‘‘(dd) was submitted for a 
fraudulent or misleading purpose; 
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‘‘(II) such covered person was 
not directly informed by the consumer 
of the issue about which the consumer 
submitted the complaint not less than 
60 days before the consumer sub-
mitted the complaint; or 
‘‘(III) such covered person was 
directly informed by the consumer of 
the issue about which the consumer 
submitted the complaint and such cov-
ered person responded to such con-
sumer in a manner that remedied the 
issue raised by the consumer; or 
‘‘(ii) RECORDING.—If a covered per-
son who is required to respond to com-
plaints under subsection (b) and (c) of sec-
tion 1034 closes a complaint under clause 
(i), such covered person shall notify the 
unit established under this paragraph of 
such closure and the reason for such clo-
sure and such unit shall record such infor-
mation in the database established under 
this paragraph. 
‘‘(G) CONFIDENTIALITY.— 
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‘‘(i) IN
GENERAL.—Notwithstanding 
any other provision of law, the Bureau 
shall ensure that narrative content in-
cluded in complaints submitted by con-
sumers to the unit established under this 
paragraph and narrative content included 
in responses from covered persons who are 
required to respond to complaints under 
subsection (b) and (c) of section 1034 who 
receive complaints from the unit estab-
lished under this paragraph remain con-
fidential and are not published or made 
publicly viewable. 
‘‘(ii) AGGREGATION
OF
DATA.—The 
Bureau may publish aggregated data about 
complaints received from consumers and 
analyses of trends in such complaints if 
such data and analyses do not include per-
sonally identifiable information or specific 
narrative content that could reasonably be 
linked to an individual consumer or cov-
ered person who is required to respond to 
complaints under subsection (b) and (c) of 
section 1034.’’. 
Æ 
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