I 
114TH CONGRESS 
2D SESSION 
H. R. 4993 
To require the Comptroller General of the United States to conduct a study 
regarding the privacy of information collected under the Home Mortgage 
Disclosure Act of 1975, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
APRIL 19, 2016 
Mr. HULTGREN (for himself, Mr. BARR, and Mrs. LOVE) introduced the 
following bill; which was referred to the Committee on Financial Services 
A BILL 
To require the Comptroller General of the United States 
to conduct a study regarding the privacy of information 
collected under the Home Mortgage Disclosure Act of 
1975, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Homeowner Informa-
tion Privacy Protection Act’’. 
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SEC. 2. STUDY REGARDING PRIVACY OF INFORMATION 
COLLECTED UNDER THE HOME MORTGAGE 
DISCLOSURE ACT OF 1975. 
(a) STUDY.—The Comptroller General of the United 
States shall conduct a study to determine whether the 
data required to be published, made available, or disclosed 
under the final rule, in connection with other publicly 
available data sources, including data made publicly avail-
able under Regulation C (12 C.F.R. 1003) before the ef-
fective date of the final rule, could allow for or increase 
the probability of— 
(1) exposure of the identity of mortgage appli-
cants or mortgagors through reverse engineering; 
(2) exposure of mortgage applicants or mortga-
gors to identity theft or the loss of sensitive personal 
financial information; 
(3) the marketing or sale of unfair, deceptive, 
or abusive financial products to mortgage applicants 
or mortgagors based on such data; 
(4) personal financial loss or emotional distress 
resulting from the exposure of mortgage applicants 
or mortgagors to identify theft or the loss of sen-
sitive personal financial information; and 
(5) the potential legal liability facing the Bu-
reau and market participants in the event the data 
required to be published, made available, or disclosed 
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under the final rule leads or contributes to identity 
theft or the capture of sensitive personal financial 
information. 
(b) REPORT.—The Comptroller General of the 
United States shall submit to the Committee on Financial 
Services of the House of Representatives and the Com-
mittee on Banking, Housing, and Urban Affairs of the 
Senate a report that includes— 
(1) the findings and conclusions of the Comp-
troller General with respect to the study required 
under subsection (a); and 
(2) any recommendations for legislative or regu-
latory actions that— 
(A) would enhance the privacy of a con-
sumer when accessing mortgage credit; and 
(B) are consistent with consumer protec-
tions and safe and sound banking operations. 
SEC. 3. SUSPENSION OF DATA SHARING REQUIREMENTS. 
Notwithstanding any other provision of law, including 
the final rule— 
(1) depository institutions shall not be required 
to publish, disclose, or otherwise make available to 
the public, pursuant to the Home Mortgage Disclo-
sure Act of 1975 (or regulations issued under such 
Act) any data that was not required to be published, 
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disclosed, or otherwise made available pursuant to 
such Act (or regulations issued under such Act) on 
the day before the date of the enactment of the 
Dodd-Frank Wall Street Reform and Consumer Pro-
tection Act; and 
(2) the Bureau and the Financial Institutions 
Examination Council shall not publish, disclose, or 
otherwise make available to the public any such in-
formation received from a depository institution pur-
suant to the final rule. 
SEC. 4. DEFINITIONS. 
For purposes of this Act: 
(1) BUREAU.—The term ‘‘Bureau’’ means the 
Bureau of Consumer Financial Protection. 
(2) DEPOSITORY INSTITUTION.—The term ‘‘de-
pository institution’’ has the meaning given that 
term under section 303 of the Home Mortgage Dis-
closure Act of 1975 (12 U.S.C. 2802). 
(3) FINAL RULE.—The term ‘‘final rule’’ means 
the final rule issued by the Bureau titled ‘‘Home 
Mortgage Disclosure (Regulation C)’’ (October 28, 
2015; 80 Fed. Reg. 66128). 
Æ 
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