The Federal Worker Credit Protection Act of 2026 seeks to safeguard the credit of federal employees during periods of government shutdown. It amends the Fair Credit Reporting Act to prevent consumer reporting agencies from reporting adverse information related to the debt of federal and District of Columbia government employees whose agencies experience a lapse in appropriations. A "covered period" for this protection begins after a 24-hour lapse in appropriations and extends for 30 days after the lapse concludes. During this time, affected individuals can directly request consumer reporting agencies to delete and prohibit disclosure of such adverse credit information from their reports, free of charge. The Director of the Office of Management and Budget is also mandated to notify consumer reporting agencies about the start and end of these appropriation lapses.