Fair Credit for American Hostages Act of 2025

This bill protects U.S. citizens unlawfully detained or held hostage abroad by preventing credit bureaus from reporting negative credit information during their captivity. It requires credit agencies to remove any adverse credit details (like late payments) that occurred while the person was detained or held hostage, provided they submit verified documentation. The documentation must be authenticated by the Special Presidential Envoy for Hostage Affairs or the Hostage Recovery Fusion Cell and confirm the person's status as a covered consumer under the law. This directly affects Americans wrongfully held abroad, ensuring their credit reports reflect their circumstances accurately during detention. The policy change modifies the Fair Credit Reporting Act to block credit bureaus from including negative items tied to the detention period.