H.R. 2656 · 118th Congress

Trigger Leads Abatement Act of 2023

Introduced on Apr 17, 2023 by Ritchie Torres (D-NY-15). 6 cosponsors, 1 of them from another party. Latest action (Apr 17, 2023): Referred to the House Committee on Financial Services.

Stage
Introduced
Introduced
Apr 17, 2023
Cosponsors
6
1 from the other party
Policy area
Finance and Financial Sector
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Progress

The furthest stage the measure reached. Simple and concurrent resolutions do not go to the President.

  1. Introduced
  2. 2Reported by committee
  3. 3Passed one chamber
  4. 4Passed both chambers
  5. 5Sent to the President
  6. 6Became law

Official title

To amend the Fair Credit Reporting Act to prohibit the creation and sale of trigger leads, and for other purposes.

Subjects

  • Administrative law and regulatory procedures
  • Banking and financial institutions regulation
  • Consumer Financial Protection Bureau
  • Consumer credit
  • Credit and credit markets
  • Housing finance and home ownership
  • Right of privacy

Summary

By the Congressional Research Service (Introduced in House, Apr 17, 2023). Public domain.

Trigger Leads Abatement Act of 2023

This bill prohibits credit reporting agencies from providing a credit report not initiated by a consumer if the report is being provided on the basis that the consumer has had a credit inquiry regarding a home mortgage loan. This practice, known as producing a trigger lead, provides notice to other mortgage lenders that the consumer is seeking a mortgage loan.

Sponsor and cosponsors

Cosponsors by party as of the day they signed on. Original cosponsors signed on the day of introduction.

Ritchie TorresD-NY-15Sponsor

Democrats · 5

Republicans · 1

Roll calls

Recorded votes on the measure. Most measures move by voice vote or unanimous consent, which record no individual positions.

No recorded roll call on this measure: it moved by voice vote or unanimous consent, or has not reached the floor.

History

Every action as published, oldest first. Roll calls link to how each member voted.

  1. Apr 17, 2023Introduced in House
  2. Apr 17, 2023Introduced in House
  3. Apr 17, 2023 · HouseReferred to the House Committee on Financial Services.

Committees

Committees and subcommittees the measure was referred to.

Agencies in its committees' jurisdiction

Analisa's mapping of committee jurisdiction to federal agencies; the bill may touch others, or none of these.

Who lobbied on it

Organizations whose lobbying reports (LD-2) name this measure. Spending is what they reported for those quarters on all issues, not on this measure alone.

  1. American Bankers Association5 reports
    $8.5M reported (all issues)Federal contractor: AMERICAN BANKERS ASSOCIATIONAI match · 100%
  2. INDEPENDENT COMMUNITY BANKERS OF AMERICA5 reports
    $4M reported (all issues)
  3. MORTGAGE BANKERS ASSOCIATION5 reports
    $3.4M reported (all issues)Federal contractor: MORTGAGE BANKERS ASSOCIATION$125K in contracts, FY2026AI match · 100%
  4. NATIONAL ASSOCIATION OF REALTORS5 reports
    $104.5M reported (all issues)
  5. Trans Union LLC5 reports
    $2.6M reported (all issues)Federal contractor: TRANS UNION LLC$3.6M in contracts, FY2026AI match · 100%
  6. EXPERIAN NORTH AMERICA, INC3 reports
    $1.1M reported (all issues)
  7. ROCK CENTRAL2 reports
    $1M reported (all issues)

Reports filed in 2023, 2024.

Sources and method

Every figure on this page traces to these records.

  • Bill status: bills and resolutions, sponsors, actions, subjects and CRS summaries (U.S. Government Publishing Office (GovInfo), from Congress.gov (Library of Congress))GovInfo Bill Status bulk data (Congress.gov; summaries by the Congressional Research Service) · data current to Oct 7, 2026 · loaded Oct 7, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Members of Congress, their terms, committees and identifiers (The @unitedstates project (from the Biographical Directory of the U.S. Congress, the House and the Senate))unitedstates/congress-legislators: legislators, committees and current committee membership · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: CC0 1.0 (public domain dedication)
  • House roll-call votes (Office of the Clerk, U.S. House of Representatives)Office of the Clerk, U.S. House of Representatives, roll-call vote records · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Senate roll-call votes and DW-NOMINATE scores (Voteview (UCLA Department of Political Science))Lewis, Jeffrey B., Keith Poole, Howard Rosenthal, Adam Boche, Aaron Rudkin, and Luke Sonnet (2026). Voteview: Congressional Roll-Call Votes Database. https://voteview.com/ · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Free to use with the required citation
  • Lobbying disclosures (LD-1 registrations, LD-2 quarterly reports, LD-203 contribution reports) (Clerk of the U.S. House of Representatives)Clerk of the House, Lobbying Disclosure Act filings (organizations only; lobbyists' names are not loaded) · data current to Oct 7, 2026 · loaded Oct 7, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Positions are shown only where a roll call recorded them; voice votes and unanimous consent record none.
  • Money and votes are shown side by side; neither explains the other.