,i  #aaeth ,,congress  #ast ,session    
,h4 ,r4 #bbjd  ,,in ,,the ,,house ,,of  
,,representatives  ,april #bg1 #bjag,mr4
 ,hultgren 7for himself and ,mr4 ,barr7 
introduced the following bill2 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 #aige1 and for other
 purposes4  #a4 ,short title ,this ,act 
may be cited as the ,homeowner          
,information ,privacy ,protection ,act4 
#b4 ,study regarding privacy of         
information collected under the ,home   
,mortgage ,disclosure ,act of #aige  7a7
 ,study ,the ,comptroller ,general of   
the ,united ,states shall conduct a     
study to determine whether the data     
required to be published1 made          
available1 or disclosed under the final 
rule1 in connection with other publicly 
available data sources1 including data  

made publicly available under           
,regulation ,c 7#ab ,c4,f4,r4 #ajjc7    
before the effective date of the final  
rule1 could allow for or increase the   
probability of--  7#a7 exposure of the  
identity of mortgage applicants or      
mortgagors through reverse engineering2 
7#b7 exposure of mortgage applicants or 
mortgagors to identity theft or the loss
 of sensitive personal financial        
information2  7#c7 the marketing or sale
 of unfair1 deceptive1 or abusive       
financial products to mortgage          
applicants or mortgagors based on such  
data2  7#d7 personal financial loss or  
emotional distress resulting from the   
exposure of mortgage applicants or      
mortgagors to identify theft or the loss
 of sensitive personal financial        
information2 and  7#e7 the potential    
legal liability facing the ,bureau and  
market participants in the event the    
data required to be published1 made     
available1 or disclosed under the final 
rule leads or contributes to identity   

theft or the capture of sensitive       
personal financial information4  7b7    
,report ,the ,comptroller ,general of   
the ,united ,states shall submit to the 
,committee on ,financial ,services of   
the ,house of ,representatives and the  
,committee on ,banking1 ,housing1 and   
,urban ,affairs of the ,senate a report 
that includes--  7#a7 the findings and  
conclusions of the ,comptroller ,general
 with respect to the study required     
under subsection 7a72 and  7#b7 any     
recommendations for legislative or      
regulatory actions that-- 7,a7 would    
enhance the privacy of a consumer when  
accessing mortgage credit2 and  7,b7 are
 consistent with consumer protections   
and safe and sound banking operations4  
#c4 ,temporary suspension of data       
reporting requirements ,notwithstanding 
any other provision of law1 the         
effective date for new reporting        
requirements contained in the final rule
 shall be ,january #a1 #bjai4  #d4      
,suspension of data sharing requirements

 ,notwithstanding any other provision of
 law1 including the final rule-- 7#a7   
depository institutions shall not be    
required to publish1 disclose1 or       
otherwise make available to the public1 
pursuant to the ,home ,mortgage         
,disclosure ,act of #aige 7or           
regulations issued under such ,act7 any 
data that was not required to be        
published1 disclosed1 or otherwise made 
available pursuant to such ,act 7or     
regulations issued under such ,act7 on  
the day before the date of the enactment
 of the ,dodd-,frank ,wall ,street      
,reform and ,consumer ,protection ,act2 
and  7#b7 the ,bureau and the ,financial
 ,institutions ,examination ,council    
shall not publish1 disclose1 or         
otherwise make available to the public  
any such information received from a    
depository institution pursuant to the  
final rule4  #e4 ,definitions ,for      
purposes of this ,act3 7#a7 ,bureau ,the
 term ,bureau means the ,bureau of      
,consumer ,financial ,protection4  7#b7 

,depository institution ,the term       
depository institution has the meaning  
given that term under section #cjc of   
the ,home ,mortgage ,disclosure ,act of 
#aige 7#ab ,u4,s4,c4 #bhjb74  7#c7      
,final rule ,the term final rule means  
the final rule issued by the ,bureau    
titled ,home ,mortgage ,disclosure      
7,regulation ,c7 7,october #bh1 #bjae2  
#hj ,fed4 ,reg4 #ffabh74