source:
  type: regulation
  id: hppa-fcra-trigger-leads
  authority: Homebuyers Privacy Protection Act — FCRA § 604(c) (15 U.S.C. 1681b(c)) trigger-lead restriction
  description: Homebuyers Privacy Protection Act, H.R. 2808 (119th Congress) — enrolled bill. Amends FCRA
    § 604(c) (15 U.S.C. 1681b(c)) by adding paragraph (4) to restrict consumer reporting agencies from
    furnishing a mortgage "trigger lead" consumer report to another person based on a mortgage-triggered
    prescreening request, unless the transaction is a firm offer of credit or insurance and the recipient
    has the consumer's authorization, originated the current residential mortgage loan, services it, or
    is an insured depository institution or credit union holding a current account. Includes definitions,
    the 180-day effective-date provision, and the GAO study. Full verbatim text captured clause-by-clause
    from the congress.gov enrolled-bill snapshot.
obligations:
- id: hppa-short-title
  canonical_id: hppa-short-title
  section: HPPA — Section 1 — Short Title
  type: reference
  tags:
  - round-b
  - regulator-direct
  - hppa
  - fcra
  - trigger-leads
  - public-law
  - full-text
  primary_source:
    tier: 1
    authority: Homebuyers Privacy Protection Act — FCRA § 604(c) (15 U.S.C. 1681b(c)) trigger-lead restriction
      — Section 1 — Short Title
    source_class: public-law
    source_url: https://www.congress.gov/119/bills/hr2808/BILLS-119hr2808enr.pdf
    snapshot_id: b2d35e9899e89543
    fetched_at: '2026-06-08T18:35:14Z'
    content_hash: sha256:2583b396b6c7b20873e9e7d0df551ed27ba2ed3299dc2cbaa1440a8836b2dc1f
    paragraph_quote: This Act may be cited as the ‘‘Homebuyers Privacy Protection Act’’.
- id: hppa-amendment-in-general
  canonical_id: hppa-amendment-in-general
  section: HPPA — Section 2(a) — Amendment to FCRA § 604(c) (15 U.S.C. 1681b(c))
  type: reference
  tags:
  - round-b
  - regulator-direct
  - hppa
  - fcra
  - trigger-leads
  - public-law
  - full-text
  primary_source:
    tier: 1
    authority: Homebuyers Privacy Protection Act — FCRA § 604(c) (15 U.S.C. 1681b(c)) trigger-lead restriction
      — Section 2(a) — Amendment to FCRA § 604(c) (15 U.S.C. 1681b(c))
    source_class: public-law
    source_url: https://www.congress.gov/119/bills/hr2808/BILLS-119hr2808enr.pdf
    snapshot_id: b2d35e9899e89543
    fetched_at: '2026-06-08T18:35:14Z'
    content_hash: sha256:2583b396b6c7b20873e9e7d0df551ed27ba2ed3299dc2cbaa1440a8836b2dc1f
    paragraph_quote: 'Section 604(c) of the Fair Credit Reporting Act (15 U.S.C. 1681b(c)) is amended
      by adding at the end the following:'
- id: hppa-def-credit-union
  canonical_id: hppa-def-credit-union
  section: 'HPPA — § 604(c)(4)(A)(i) — Definition: credit union'
  type: definition
  tags:
  - round-b
  - regulator-direct
  - hppa
  - fcra
  - trigger-leads
  - public-law
  - full-text
  primary_source:
    tier: 1
    authority: 'Homebuyers Privacy Protection Act — FCRA § 604(c) (15 U.S.C. 1681b(c)) trigger-lead restriction
      — § 604(c)(4)(A)(i) — Definition: credit union'
    source_class: public-law
    source_url: https://www.congress.gov/119/bills/hr2808/BILLS-119hr2808enr.pdf
    snapshot_id: b2d35e9899e89543
    fetched_at: '2026-06-08T18:35:14Z'
    content_hash: sha256:2583b396b6c7b20873e9e7d0df551ed27ba2ed3299dc2cbaa1440a8836b2dc1f
    paragraph_quote: The term ‘credit union’ means a Federal credit union or a State credit union, as
      those terms are defined, respectively, in section 101 of the Federal Credit Union Act (12 U.S.C.
      1752).
- id: hppa-def-insured-depository-institution
  canonical_id: hppa-def-insured-depository-institution
  section: 'HPPA — § 604(c)(4)(A)(ii) — Definition: insured depository institution'
  type: definition
  tags:
  - round-b
  - regulator-direct
  - hppa
  - fcra
  - trigger-leads
  - public-law
  - full-text
  primary_source:
    tier: 1
    authority: 'Homebuyers Privacy Protection Act — FCRA § 604(c) (15 U.S.C. 1681b(c)) trigger-lead restriction
      — § 604(c)(4)(A)(ii) — Definition: insured depository institution'
    source_class: public-law
    source_url: https://www.congress.gov/119/bills/hr2808/BILLS-119hr2808enr.pdf
    snapshot_id: b2d35e9899e89543
    fetched_at: '2026-06-08T18:35:14Z'
    content_hash: sha256:2583b396b6c7b20873e9e7d0df551ed27ba2ed3299dc2cbaa1440a8836b2dc1f
    paragraph_quote: The term ‘insured depository institution’ has the meaning given the term in section
      3 of the Federal Deposit Insurance Act (12 U.S.C. 1813(c)).
- id: hppa-def-residential-mortgage-loan
  canonical_id: hppa-def-residential-mortgage-loan
  section: 'HPPA — § 604(c)(4)(A)(iii) — Definition: residential mortgage loan'
  type: definition
  tags:
  - round-b
  - regulator-direct
  - hppa
  - fcra
  - trigger-leads
  - public-law
  - full-text
  primary_source:
    tier: 1
    authority: 'Homebuyers Privacy Protection Act — FCRA § 604(c) (15 U.S.C. 1681b(c)) trigger-lead restriction
      — § 604(c)(4)(A)(iii) — Definition: residential mortgage loan'
    source_class: public-law
    source_url: https://www.congress.gov/119/bills/hr2808/BILLS-119hr2808enr.pdf
    snapshot_id: b2d35e9899e89543
    fetched_at: '2026-06-08T18:35:14Z'
    content_hash: sha256:2583b396b6c7b20873e9e7d0df551ed27ba2ed3299dc2cbaa1440a8836b2dc1f
    paragraph_quote: The term ‘residential mortgage loan’ has the meaning given the term in section 1503
      of the S.A.F.E. Mortgage Licensing Act of 2008 (12 U.S.C. 5102).
- id: hppa-def-servicer
  canonical_id: hppa-def-servicer
  section: 'HPPA — § 604(c)(4)(A)(iv) — Definition: servicer'
  type: definition
  tags:
  - round-b
  - regulator-direct
  - hppa
  - fcra
  - trigger-leads
  - public-law
  - full-text
  primary_source:
    tier: 1
    authority: 'Homebuyers Privacy Protection Act — FCRA § 604(c) (15 U.S.C. 1681b(c)) trigger-lead restriction
      — § 604(c)(4)(A)(iv) — Definition: servicer'
    source_class: public-law
    source_url: https://www.congress.gov/119/bills/hr2808/BILLS-119hr2808enr.pdf
    snapshot_id: b2d35e9899e89543
    fetched_at: '2026-06-08T18:35:14Z'
    content_hash: sha256:2583b396b6c7b20873e9e7d0df551ed27ba2ed3299dc2cbaa1440a8836b2dc1f
    paragraph_quote: The term ‘servicer’ has the meaning given the term in section 6(i) of the Real Estate
      Settlement Procedures Act of 1974 (12 U.S.C. 2605(i)).
- id: hppa-limitation
  canonical_id: hppa-limitation
  section: HPPA — § 604(c)(4)(B) — Limitation on furnishing consumer report from a mortgage-triggered
    request
  type: do
  tags:
  - round-b
  - regulator-direct
  - hppa
  - fcra
  - trigger-leads
  - public-law
  - full-text
  primary_source:
    tier: 1
    authority: Homebuyers Privacy Protection Act — FCRA § 604(c) (15 U.S.C. 1681b(c)) trigger-lead restriction
      — § 604(c)(4)(B) — Limitation on furnishing consumer report from a mortgage-triggered request
    source_class: public-law
    source_url: https://www.congress.gov/119/bills/hr2808/BILLS-119hr2808enr.pdf
    snapshot_id: b2d35e9899e89543
    fetched_at: '2026-06-08T18:35:14Z'
    content_hash: sha256:2583b396b6c7b20873e9e7d0df551ed27ba2ed3299dc2cbaa1440a8836b2dc1f
    paragraph_quote: If a person requests a consumer report from a consumer reporting agency in connection
      with a credit transaction involving a residential mortgage loan, that agency may not, based in whole
      or in part on that request, furnish a consumer report to another person under this subsection unless—
- id: hppa-condition-firm-offer
  canonical_id: hppa-condition-firm-offer
  section: 'HPPA — § 604(c)(4)(B)(i) — Condition: firm offer of credit or insurance'
  type: reference
  tags:
  - round-b
  - regulator-direct
  - hppa
  - fcra
  - trigger-leads
  - public-law
  - full-text
  primary_source:
    tier: 1
    authority: 'Homebuyers Privacy Protection Act — FCRA § 604(c) (15 U.S.C. 1681b(c)) trigger-lead restriction
      — § 604(c)(4)(B)(i) — Condition: firm offer of credit or insurance'
    source_class: public-law
    source_url: https://www.congress.gov/119/bills/hr2808/BILLS-119hr2808enr.pdf
    snapshot_id: b2d35e9899e89543
    fetched_at: '2026-06-08T18:35:14Z'
    content_hash: sha256:2583b396b6c7b20873e9e7d0df551ed27ba2ed3299dc2cbaa1440a8836b2dc1f
    paragraph_quote: the transaction consists of a firm offer of credit or insurance; and
- id: hppa-condition-authorization
  canonical_id: hppa-condition-authorization
  section: 'HPPA — § 604(c)(4)(B)(ii)(I) — Recipient condition: consumer authorization under paragraph
    (1)(A)'
  type: reference
  tags:
  - round-b
  - regulator-direct
  - hppa
  - fcra
  - trigger-leads
  - public-law
  - full-text
  primary_source:
    tier: 1
    authority: 'Homebuyers Privacy Protection Act — FCRA § 604(c) (15 U.S.C. 1681b(c)) trigger-lead restriction
      — § 604(c)(4)(B)(ii)(I) — Recipient condition: consumer authorization under paragraph (1)(A)'
    source_class: public-law
    source_url: https://www.congress.gov/119/bills/hr2808/BILLS-119hr2808enr.pdf
    snapshot_id: b2d35e9899e89543
    fetched_at: '2026-06-08T18:35:14Z'
    content_hash: sha256:2583b396b6c7b20873e9e7d0df551ed27ba2ed3299dc2cbaa1440a8836b2dc1f
    paragraph_quote: has submitted documentation to that agency certifying that such other person has,
      pursuant to paragraph (1)(A), the authorization
- id: hppa-condition-originator
  canonical_id: hppa-condition-originator
  section: 'HPPA — § 604(c)(4)(B)(ii)(II)(aa) — Recipient condition: originated the current residential
    mortgage loan'
  type: reference
  tags:
  - round-b
  - regulator-direct
  - hppa
  - fcra
  - trigger-leads
  - public-law
  - full-text
  primary_source:
    tier: 1
    authority: 'Homebuyers Privacy Protection Act — FCRA § 604(c) (15 U.S.C. 1681b(c)) trigger-lead restriction
      — § 604(c)(4)(B)(ii)(II)(aa) — Recipient condition: originated the current residential mortgage
      loan'
    source_class: public-law
    source_url: https://www.congress.gov/119/bills/hr2808/BILLS-119hr2808enr.pdf
    snapshot_id: b2d35e9899e89543
    fetched_at: '2026-06-08T18:35:14Z'
    content_hash: sha256:2583b396b6c7b20873e9e7d0df551ed27ba2ed3299dc2cbaa1440a8836b2dc1f
    paragraph_quote: has originated a current residential mortgage loan
- id: hppa-condition-servicer
  canonical_id: hppa-condition-servicer
  section: 'HPPA — § 604(c)(4)(B)(ii)(II)(bb) — Recipient condition: servicer of the current residential
    mortgage loan'
  type: reference
  tags:
  - round-b
  - regulator-direct
  - hppa
  - fcra
  - trigger-leads
  - public-law
  - full-text
  primary_source:
    tier: 1
    authority: 'Homebuyers Privacy Protection Act — FCRA § 604(c) (15 U.S.C. 1681b(c)) trigger-lead restriction
      — § 604(c)(4)(B)(ii)(II)(bb) — Recipient condition: servicer of the current residential mortgage
      loan'
    source_class: public-law
    source_url: https://www.congress.gov/119/bills/hr2808/BILLS-119hr2808enr.pdf
    snapshot_id: b2d35e9899e89543
    fetched_at: '2026-06-08T18:35:14Z'
    content_hash: sha256:2583b396b6c7b20873e9e7d0df551ed27ba2ed3299dc2cbaa1440a8836b2dc1f
    paragraph_quote: is the servicer of a current residential mortgage loan
- id: hppa-condition-depository-cu-accountholder
  canonical_id: hppa-condition-depository-cu-accountholder
  section: 'HPPA — § 604(c)(4)(B)(ii)(II)(cc) — Recipient condition: insured depository institution or
    credit union holding a current account'
  type: reference
  tags:
  - round-b
  - regulator-direct
  - hppa
  - fcra
  - trigger-leads
  - public-law
  - full-text
  primary_source:
    tier: 1
    authority: 'Homebuyers Privacy Protection Act — FCRA § 604(c) (15 U.S.C. 1681b(c)) trigger-lead restriction
      — § 604(c)(4)(B)(ii)(II)(cc) — Recipient condition: insured depository institution or credit union
      holding a current account'
    source_class: public-law
    source_url: https://www.congress.gov/119/bills/hr2808/BILLS-119hr2808enr.pdf
    snapshot_id: b2d35e9899e89543
    fetched_at: '2026-06-08T18:35:14Z'
    content_hash: sha256:2583b396b6c7b20873e9e7d0df551ed27ba2ed3299dc2cbaa1440a8836b2dc1f
    paragraph_quote: is an insured depository institution or credit union; and ‘‘(BB) holds a current
      account for the consumer to whom the consumer report relates.
- id: hppa-effective-date
  canonical_id: hppa-effective-date
  section: HPPA — Section 3 — Effective Date (180 days after enactment)
  type: reference
  tags:
  - round-b
  - regulator-direct
  - hppa
  - fcra
  - trigger-leads
  - public-law
  - full-text
  primary_source:
    tier: 1
    authority: Homebuyers Privacy Protection Act — FCRA § 604(c) (15 U.S.C. 1681b(c)) trigger-lead restriction
      — Section 3 — Effective Date (180 days after enactment)
    source_class: public-law
    source_url: https://www.congress.gov/119/bills/hr2808/BILLS-119hr2808enr.pdf
    snapshot_id: b2d35e9899e89543
    fetched_at: '2026-06-08T18:35:14Z'
    content_hash: sha256:2583b396b6c7b20873e9e7d0df551ed27ba2ed3299dc2cbaa1440a8836b2dc1f
    paragraph_quote: This Act, and the amendments made by this Act, shall take effect on the date that
      is 180 days after the date of enactment of this Act.
- id: hppa-gao-study
  canonical_id: hppa-gao-study
  section: HPPA — Section 4(a) — GAO study on the value of trigger leads received by text message
  type: reference
  tags:
  - round-b
  - regulator-direct
  - hppa
  - fcra
  - trigger-leads
  - public-law
  - full-text
  primary_source:
    tier: 1
    authority: Homebuyers Privacy Protection Act — FCRA § 604(c) (15 U.S.C. 1681b(c)) trigger-lead restriction
      — Section 4(a) — GAO study on the value of trigger leads received by text message
    source_class: public-law
    source_url: https://www.congress.gov/119/bills/hr2808/BILLS-119hr2808enr.pdf
    snapshot_id: b2d35e9899e89543
    fetched_at: '2026-06-08T18:35:14Z'
    content_hash: sha256:2583b396b6c7b20873e9e7d0df551ed27ba2ed3299dc2cbaa1440a8836b2dc1f
    paragraph_quote: The Comptroller General of the United States shall carry out a study on the value
      of trigger leads received by text message that includes input from State regulatory agencies, mortgage
      lenders, depository institutions
- id: hppa-gao-report
  canonical_id: hppa-gao-report
  section: HPPA — Section 4(b) — GAO report to Congress within 12 months
  type: reference
  tags:
  - round-b
  - regulator-direct
  - hppa
  - fcra
  - trigger-leads
  - public-law
  - full-text
  primary_source:
    tier: 1
    authority: Homebuyers Privacy Protection Act — FCRA § 604(c) (15 U.S.C. 1681b(c)) trigger-lead restriction
      — Section 4(b) — GAO report to Congress within 12 months
    source_class: public-law
    source_url: https://www.congress.gov/119/bills/hr2808/BILLS-119hr2808enr.pdf
    snapshot_id: b2d35e9899e89543
    fetched_at: '2026-06-08T18:35:14Z'
    content_hash: sha256:2583b396b6c7b20873e9e7d0df551ed27ba2ed3299dc2cbaa1440a8836b2dc1f
    paragraph_quote: Not later than the end of the 12-month period beginning on the date of enactment
      of this Act, the Comptroller General shall submit to Congress a report containing any findings and
      determinations made in the study required by subsection (a).
