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Ban on selling mortgage credit inquiry data

This act aims to protect citizens' financial privacy. It prohibits credit reporting agencies from creating and selling information about someone's mortgage loan inquiries. This helps citizens avoid unwanted offers from other lenders after applying for a mortgage.
Key points
Credit reporting agencies will not be able to sell information about your mortgage inquiries.
Fewer unwanted credit offers after applying for a mortgage.
article Official text account_balance Process page
Expired
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Additional Information
Print number: 118_HR_2656
Sponsor: Rep. Torres, Ritchie [D-NY-15]
Process start date: 2023-04-17
Lustra uses Artificial Intelligence. Verify details in source documents.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Trigger Leads Abatement Act of 2023

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 118_HR_2656.

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 2023-04-17.

What are the main provisions?

Key points include:

  • Credit reporting agencies will not be able to sell information about your mortgage inquiries.
  • Fewer unwanted credit offers after applying for a mortgage.
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 2025-12-25.

CATEGORIES

Real Estate Economy