arrow_back Civic Audit
Share share

Ban on selling mortgage credit inquiry data

This act aims to protect citizens' financial privacy. It prohibits credit companies from selling information about someone's mortgage credit inquiries. This means citizens will not be bombarded with unwanted credit offers after applying for a home loan.
Key points
Protection from unwanted offers: Companies will not be able to sell data about your mortgage credit inquiries to other companies.
Increased privacy: Your financial data related to seeking a mortgage will be more secure.
article Official text account_balance Process page notifications_active Track this Bill
gavel
Status:
Expired
Record your position for audit.
Why does your vote on bills matter?
It creates raw, undeniable proof. Civic Will provides the permanent data to verify the Government's loyalty towards its citizens (explained here). Start recording it now.
Additional Information
Print number: 117_HR_7661
Sponsor: Rep. Torres, Ritchie [D-NY-15]
Process start date: 2022-05-03
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

Trigger Leads Abatement Act of 2022

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_7661.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2022-05-03.

What are the main provisions?

Key points include:

  • Protection from unwanted offers: Companies will not be able to sell data about your mortgage credit inquiries to other companies.
  • Increased privacy: Your financial data related to seeking a mortgage will be more secure.
What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Torres, Ritchie [D-NY-15].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Financial Services.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-28.

What is the impact of this bill?

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

CATEGORIES

Real Estate Courts and Law Economy