This legislation aims to safeguard the credit of federal employees during government shutdowns by amending the Fair Credit Reporting Act. It prohibits consumer reporting agencies from including any adverse information related to late or non-payments by furloughed or unpaid federal employees that occur during a lapse in appropriations . Specifically, consumer reporting agencies must treat such late or non-payments as if they were made, preventing negative impacts on credit reports. The bill mandates that the Bureau of Consumer Financial Protection issue rules within 30 days to implement these protections. Additionally, it includes a Sense of Congress encouraging private lenders to offer temporary forbearance, waive late fees, and refrain from furnishing adverse credit information for affected federal employees during these periods.