IIB 
115TH CONGRESS 
2D SESSION 
H. R. 5078 
IN THE SENATE OF THE UNITED STATES 
FEBRUARY 28, 2018 
Received; read twice and referred to the Committee on Banking, Housing, and 
Urban Affairs 
AN ACT 
To amend the Real Estate Settlement Procedures Act of 
1974 to modify requirements related to mortgage disclo-
sures, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
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SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘TRID Improvement 
Act of 2018’’. 
SEC. 2. AMENDMENTS TO MORTGAGE DISCLOSURE RE-
QUIREMENTS. 
Section 4(a) of the Real Estate Settlement Proce-
dures Act of 1974 (12 U.S.C. 2603(a)) is amended— 
(1) by striking ‘‘itemize all charges’’ and insert-
ing ‘‘itemize all actual charges’’; 
(2) by striking ‘‘and all charges imposed upon 
the seller in connection with the settlement and’’ and 
inserting ‘‘and the seller in connection with the set-
tlement. Such forms’’; and 
(3) by inserting after ‘‘or both.’’ the following 
new sentence: ‘‘Charges for any title insurance pre-
mium disclosed on such forms shall be equal to the 
amount charged for each individual title insurance 
policy, subject to any discounts as required by State 
regulation or the title company rate filings.’’. 
SEC. 3. POSITIVE CREDIT REPORTING PERMITTED. 
(a) IN GENERAL.—Section 623 of the Fair Credit 
Reporting Act (15 U.S.C. 1681s–2) is amended by adding 
at the end the following new subsection: 
‘‘(f) FULL-FILE CREDIT REPORTING.— 
‘‘(1) IN GENERAL.—Subject to the limitation in 
paragraph (2) and notwithstanding any other provi-
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sion of law, a person or the Secretary of Housing 
and Urban Development may furnish to a consumer 
reporting agency information relating to the per-
formance of a consumer in making payments— 
‘‘(A) under a lease agreement with respect 
to a dwelling, including such a lease in which 
the Department of Housing and Urban Devel-
opment provides subsidized payments for occu-
pancy in a dwelling; or 
‘‘(B) pursuant to a contract for a utility or 
telecommunications service. 
‘‘(2) LIMITATION.—Information about a con-
sumer’s usage of any utility services provided by a 
utility or telecommunication firm may be furnished 
to a consumer reporting agency only to the extent 
that such information relates to payment by the con-
sumer for the services of such utility or tele-
communication service or other terms of the provi-
sion of the services to the consumer, including any 
deposit, discount, or conditions for interruption or 
termination of the services. 
‘‘(3) PAYMENT PLAN.—An energy utility firm 
may not report payment information to a consumer 
reporting agency with respect to an outstanding bal-
ance of a consumer as late if— 
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‘‘(A) the energy utility firm and the con-
sumer have entered into a payment plan (in-
cluding a deferred payment agreement, an ar-
rearage management program, or a debt for-
giveness program) with respect to such out-
standing balance; and 
‘‘(B) the consumer is meeting the obliga-
tions of the payment plan, as determined by the 
energy utility firm. 
‘‘(4) DEFINITIONS.—In this subsection, the fol-
lowing definitions shall apply: 
‘‘(A) ENERGY UTILITY FIRM.—The term 
‘energy utility firm’ means an entity that pro-
vides gas or electric utility services to the pub-
lic. 
‘‘(B) UTILITY
OR
TELECOMMUNICATION 
FIRM.—The term ‘utility or telecommunication 
firm’ means an entity that provides utility serv-
ices to the public through pipe, wire, landline, 
wireless, cable, or other connected facilities, or 
radio, electronic, or similar transmission (in-
cluding the extension of such facilities).’’. 
(b) LIMITATION ON LIABILITY.—Section 623(c) of 
the Consumer Credit Protection Act (15 U.S.C. 1681s– 
2(c)) is amended— 
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