Fraud Prevention in Consumer Complaints

Official: Eliminating Fraud in the CFPB’s Complaint Database Act

IntroducedFebruary 17, 2026

Why This Matters

This bill makes it harder for people to submit false complaints to the Consumer Financial Protection Bureau by requiring them to verify their identity and the accuracy of their claims. It helps ensure that complaints are legitimate and properly handled.

If you file a complaint about a financial issue, you will need to prove your identity and the truth of your complaint.

Affects: Consumers who file complaints about financial products and services are directly affected by this bill.

What changes is this bill making?

1. This bill requires consumers to confirm their complaint information is true. 2. Consumers must submit complaints themselves or through an authorized representative. 3. Consumers need to inform the company about their issue at least 60 days before filing a complaint. 4. The bill aims to reduce false complaints in the Consumer Financial Protection Bureau's database. 5. If a complaint is found to be unauthorized, the consumer will be notified.

Who is affected?

Consumers who file complaints about financial products and services are directly affected by this bill.