# 116-hr-5720: To amend the Fair Credit Reporting Act to prohibit the creation and sale of trigger leads, and for other purposes.

116-hr-5720, To amend the Fair Credit Reporting Act to prohibit the creation and sale of trigger leads, and for other purposes., is a 116th Congress bill sponsored by WM. CLAY (D-MO); status Referred to the House Committee on Financial Services. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/116-hr-5720
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 116-hr-5720
- Congress: 116
- Title: To amend the Fair Credit Reporting Act to prohibit the creation and sale of trigger leads, and for other purposes.
- Status: Referred to the House Committee on Financial Services.
- Introduced: 2020-01-30
- Sponsor: WM. CLAY (D-MO)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

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.

## Related bills

- 116-hr-8908: Cost of Police Misconduct Act of 2020
- 116-hr-8826: The Resetting the Impact Act (TRIA) of 2020
- 116-hr-8820: PASS Act
- 116-hr-8782: Keeping All Students Safe Act
- 116-hr-8709: Analyzing Kinetic Impact Projectiles Against Americans Act of 2020
- 116-hr-8662: Accelerating Access to Critical Therapies for ALS Act

## Sources
- [116-hr-5720 on Congress.gov](https://www.congress.gov/bill/116th-congress/house-bill/5720)

## Related
- [116-hr-8908: Cost of Police Misconduct Act of 2020](https://policyrisk.com/legislation/116-hr-8908)
- [116-hr-8826: The Resetting the Impact Act (TRIA) of 2020](https://policyrisk.com/legislation/116-hr-8826)
- [116-hr-8820: PASS Act](https://policyrisk.com/legislation/116-hr-8820)
- [116-hr-8782: Keeping All Students Safe Act](https://policyrisk.com/legislation/116-hr-8782)
- [116-hr-8709: Analyzing Kinetic Impact Projectiles Against Americans Act of 2020](https://policyrisk.com/legislation/116-hr-8709)
- [116-hr-8662: Accelerating Access to Critical Therapies for ALS Act](https://policyrisk.com/legislation/116-hr-8662)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/116-hr-5720 (as of 2025-11-18).