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HR 5720 116th Congress House

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

Introduced: January 30, 2020 See on congress.gov
Finance and Financial Sector Administrative law and regulatory proceduresBanking and financial institutions regulationConsumer Financial Protection BureauConsumer credit
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Credit and credit marketsHousing finance and home ownershipRight of privacy
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This bill died when the 116th Congress ended
It never became law before the 116th Congress (2019–2020) 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 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jan 30, 2020
Referred to the House Committee on Financial Services.
Jan 30, 2020
Introduced in House
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 Latest action January 30, 2020

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

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.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
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APA
U.S. Congress. (2026). H.R. 5720: To amend the Fair Credit Reporting Act to prohibit the creation and sale of trigger leads, and for other purposes.. 116th Congress. Open America. https://openamerica.io/bill/116-HR-5720/
MLA
"H.R. 5720: To amend the Fair Credit Reporting Act to prohibit the creation and sale of trigger leads, and for other purposes.." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-HR-5720/.
Bluebook (legal)
H.R. 5720, 116th Cong. (2026), https://openamerica.io/bill/116-HR-5720/.
Markdown link
[H.R. 5720: To amend the Fair Credit Reporting Act to prohibit the creation and sale of trigger leads, and for other purposes.](https://openamerica.io/bill/116-HR-5720/)
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