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HR 5078 115th Congress House Finance and Financial Sector Congressional oversight Consumer credit Debt collection Government studies and investigations Low- and moderate-income housing Public utilities and utility rates

TRID Improvement Act of 2018

Introduced: February 23, 2018 Introduced by: Hill, J. French Republican · Arkansas See on congress.gov
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This bill died when the 115th Congress ended
It never became law before the 115th Congress (2017–2018) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 9 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Feb 28, 2018
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Feb 27, 2018
Motion to reconsider laid on the table Agreed to without objection.
Feb 27, 2018
On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H1306)
Feb 27, 2018
Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.(text: CR H1306)
Feb 27, 2018
DEBATE - The House proceeded with forty minutes of debate on H.R. 5078.
Feb 27, 2018
Considered under suspension of the rules. (consideration: CR H1306-1308)
Feb 27, 2018
Mr. Hill moved to suspend the rules and pass the bill, as amended.
Feb 23, 2018
Referred to the House Committee on Financial Services.
Feb 23, 2018
Introduced in House
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 Plain-English summary Congressional Research Service

TRID Improvement Act of 2018

(Sec. 2) This bill amends the Real Estate Settlement Procedures of 1974 to modify disclosure requirements applicable to mortgage loan transactions. Specifically, the disclosed charges for any title insurance premium shall be equal to the amount charged for each individual title insurance policy, subject to any discounts as required by either state regulation or the title company rate filings.

(Sec. 3) The bill amends the Fair Credit Reporting Act to allow the reporting of certain positive consumer-credit information to consumer reporting agencies. Specifically, a person or the Department of Housing and Urban Development may report information related to a consumer's performance in making payments either under a lease agreement for a dwelling or pursuant to a contract for a utility or telecommunications service. However, information about a consumer's usage of any utility or telecommunications service may be reported only to the extent that the information relates to payment by the consumer for such service or other terms of the provision of that service. Furthermore, an energy-utility firm may not report a consumer's outstanding balance as late if the firm and the consumer have entered into a payment plan and the consumer is meeting the obligations of that plan.

Specified provisions of the Consumer Credit Protection Act that establish civil liability with respect to furnishers of information to consumer reporting agencies shall not apply to any violation of the bill.

The Government Accountability Office must report on the consumer impact of such reporting.

What's happening now February 28, 2018

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

 Related & companion bills 6
  • S 2490 Related bill TRID Improvement Act of 2018
  • HR 6147 Related bill Interior, Environment, Financial Services and General Government, Agriculture, Rural Development, Food and Drug Adminis…
  • S 3040 Related bill Credit Access and Inclusion Act of 2018
  • HR 435 Related bill The Credit Access and Inclusion Act of 2017
  • HR 3978 Related bill TRID Improvement Act of 2017
  • S 488 Related bill Encouraging Employee Ownership Act
 Bill text 3 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
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APA
U.S. Congress. (2026). H.R. 5078: TRID Improvement Act of 2018. 115th Congress. Open America. https://openamerica.io/bill/115-HR-5078/
MLA
"H.R. 5078: TRID Improvement Act of 2018." 115th Congress, 2026, Open America, https://openamerica.io/bill/115-HR-5078/.
Bluebook (legal)
H.R. 5078, 115th Cong. (2026), https://openamerica.io/bill/115-HR-5078/.
Markdown link
[H.R. 5078: TRID Improvement Act of 2018](https://openamerica.io/bill/115-HR-5078/)
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