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H.R. 4198 118th Congress House

Protecting Consumers from Abusive Mortgage Leads Act

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.

Introduced: June 16, 2023 Introduced by: John W. Rose Republican · Tennessee See on congress.gov
Finance and Financial Sector
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This bill died when the 118th Congress ended
It never became law before the 118th Congress (2023–2024) 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
Jun 16, 2023
Referred to the House Committee on Financial Services.
Jun 16, 2023
Introduced in House
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 Latest action June 16, 2023

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

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.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Lobbying activity 4

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

Bodies those filers lobbied

A filing lists the bills it worked on and the parts of government it contacted in separate sections, so these are the bodies those filers named anywhere in the filing, not a per-bill breakdown.

 Cosponsors 10
All 10 Democratic 2 Republican 6
Nickel, Wiley
· Jan 31, 2024
 D
Pettersen, Brittany
Colorado · Dec 7, 2023
 D
Torres, Ritchie
New York · Nov 21, 2023
 R
Barr, Andy
Kentucky · Sep 29, 2023
 R
Steube, W. Gregory
Florida · Sep 19, 2023
 R
Hill, J. French
Arkansas · Sep 12, 2023
 R
Williams, Roger
Texas · Aug 18, 2023
 R
Ogles, Andrew
Tennessee · Aug 11, 2023
 R
Amodei, Mark E.
Nevada · Jul 18, 2023
Luetkemeyer, Blaine
· Jul 17, 2023
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 4198: Protecting Consumers from Abusive Mortgage Leads Act. 118th Congress. Open America. https://openamerica.io/bill/118-HR-4198/
MLA
"H.R. 4198: Protecting Consumers from Abusive Mortgage Leads Act." 118th Congress, 2026, Open America, https://openamerica.io/bill/118-HR-4198/.
Bluebook (legal)
H.R. 4198, 118th Cong. (2026), https://openamerica.io/bill/118-HR-4198/.
Markdown link
[H.R. 4198: Protecting Consumers from Abusive Mortgage Leads Act](https://openamerica.io/bill/118-HR-4198/)
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