H.R. 4198 · 118th Congress

Protecting Consumers from Abusive Mortgage Leads Act

Introduced on Jun 16, 2023 by John W. Rose (R-TN-6). 10 cosponsors, 3 of them from another party. Latest action (Jun 16, 2023): Referred to the House Committee on Financial Services.

Stage
Introduced
Introduced
Jun 16, 2023
Cosponsors
10
3 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 section 604(c) of the Fair Credit Reporting Act to address the treatment of pre-screening report requests, and for other purposes.

Summary

By the Congressional Research Service (Introduced in House, Jun 16, 2023). Public domain.

Protecting Consumers from Abusive Mortgage Leads Act

This bill prohibits a credit reporting agency from providing a consumer's credit report to a third party in connection with a mortgage transaction unless (1) the third party provides documentation certifying that it has the consumer's consent, or (2) the third party has a current financial service relationship with the consumer.

Sponsor and cosponsors

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

John W. RoseR-TN-6Sponsor

Democrats · 3

Republicans · 7

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. Jun 16, 2023Introduced in House
  2. Jun 16, 2023Introduced in House
  3. Jun 16, 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. EXPERIAN NORTH AMERICA, INC10 reports
    $1.8M reported (all issues)
  2. LEADING BUILDERS OF AMERICA9 reports
    $1.5M reported (all issues)
  3. American Bankers Association5 reports
    $8.5M reported (all issues)Federal contractor: AMERICAN BANKERS ASSOCIATIONAI match · 100%
  4. California and Nevada Credit Union Leagues5 reports
    $550K reported (all issues)
  5. MORTGAGE BANKERS ASSOCIATION5 reports
    $3.4M reported (all issues)Federal contractor: MORTGAGE BANKERS ASSOCIATION$125K in contracts, FY2026AI match · 100%
  6. Trans Union LLC5 reports
    $2.6M reported (all issues)Federal contractor: TRANS UNION LLC$3.6M in contracts, FY2026AI match · 100%
  7. EQUIFAX INC.4 reports
    $1.6M reported (all issues)Federal contractor: EQUIFAX INFORMATION SERVICES LLC$1.3M in contracts, FY2026AI match · 100%
  8. INDEPENDENT COMMUNITY BANKERS OF AMERICA3 reports
    $2.4M reported (all issues)
  9. ROCK CENTRAL2 reports
    $1M reported (all issues)
  10. Association of Independent Mortgage Experts1 report
    $80K reported (all issues)
  11. Broker Action Coalition (fka Association of Independent Mortgage Experts)1 report
    $80K reported (all issues)

Reports filed in 2023, 2024, 2025.

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 6, 2026 · loaded Oct 6, 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 6, 2026 · loaded Oct 6, 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.