,i  #aae? ,,congress  #a/ ,session  ,h4 
,r4 #bbjd  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,april #bg1 #bjag,mr4 
,hultgr5 7= himself & ,mr4 ,b>r7        
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,to require ! ,comptroll] ,g5]al
 ( ! ,unit$ ,/ates to conduct a /udy    
reg>d+ ! privacy ( in=mation collect$ "u
 ! ,home ,mortgage ,disclosure ,act (   
#aige1 & = o!r purposes4  #a4 ,%ort     
title ,?is ,act may be cit$ z ! ,home[n]
 ,in=mation ,privacy ,protection ,act4  
#b4 ,/udy reg>d+ privacy ( in=mation    
collect$ "u ! ,home ,mortgage           
,disclosure ,act ( #aige  7a7 ,/udy ,!  
,comptroll] ,g5]al ( ! ,unit$ ,/ates    
%all conduct a /udy to det]m9e :e!r !   
data requir$ to be publi%$1 made        
available1 or disclos$ "u ! f9al rule1 9
 connection ) o!r publicly available    
data s\rces1 includ+ data made publicly 
available "u ,regulation ,c 7#ab        
,c4,f4,r4 #ajjc7 be=e ! effective date (
 ! f9al rule1 c\ld all[ = or increase ! 

probability (--  7#a7 exposure ( !      
id5tity ( mortgage applicants or        
mortgagors ?r\gh rev]se eng9e]+2  7#b7  
exposure ( mortgage applicants or       
mortgagors to id5tity !ft or ! loss (   
s5sitive p]sonal f9ancial in=mation2    
7#c7 ! m>ket+ or sale ( unfair1         
deceptive1 or abusive f9ancial products 
to mortgage applicants or mortgagors    
bas$ on su* data2  7#d7 p]sonal f9ancial
 loss or emotional di/ress result+ f !  
exposure ( mortgage applicants or       
mortgagors to id5tify !ft or ! loss (   
s5sitive p]sonal f9ancial in=mation2 &  
7#e7 ! pot5tial legal liability fac+ !  
,bureau & m>ket p>ticipants 9 ! ev5t !  
data requir$ to be publi%$1 made        
available1 or disclos$ "u ! f9al rule   
leads or contributes to id5tity !ft or !
 capture ( s5sitive p]sonal f9ancial    
in=mation4  7b7 ,report ,! ,comptroll]  
,g5]al ( ! ,unit$ ,/ates %all submit to 
! ,committee on ,f9ancial ,s]vices ( !  
,h\se ( ,repres5tatives & ! ,committee  
on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! 

,s5ate a report t includes--  7#a7 !    
f9d+s & conclusions ( ! ,comptroll]     
,g5]al ) respect to ! /udy requir$ "u   
subsection 7a72 &  7#b7 any             
recomm5dations = legislative or         
regulatory actions t-- 7,a7 w\ld enhance
 ! privacy ( a consum] :5 access+       
mortgage cr$it2 &  7,b7 are consi/5t )  
consum] protections & safe & s\nd bank+ 
op]ations4  #c4 ,tempor>y susp5sion (   
data report+ requirem5ts ,not)/&+ any   
o!r provision ( law1 ! effective date = 
new report+ requirem5ts conta9$ 9 ! f9al
 rule %all be ,janu>y #a1 #bjai4  #d4   
,susp5sion ( data %>+ requirem5ts       
,not)/&+ any o!r provision ( law1       
includ+ ! f9al rule-- 7#a7 depository   
in/itutions %all n be requir$ to publi%1
 disclose1 or o!rwise make available to 
! public1 pursuant to ! ,home ,mortgage 
,disclosure ,act ( #aige 7or regulations
 issu$ "u su* ,act7 any data t 0 n      
requir$ to be publi%$1 disclos$1 or     
o!rwise made available pursuant to su*  
,act 7or regulations issu$ "u su* ,act7 

on ! day be=e ! date ( ! enactm5t ( !   
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act2 &  7#b7 !    
,bureau & ! ,f9ancial ,in/itutions      
,exam9ation ,c\ncil %all n publi%1      
disclose1 or o!rwise make available to !
 public any su* in=mation receiv$ f a   
depository in/itution pursuant to ! f9al
 rule4  #e4 ,def9itions ,= purposes (   
?is ,act3 7#a7 ,bureau ,! t]m ,bureau   
means ! ,bureau ( ,consum] ,f9ancial    
,protection4  7#b7 ,depository          
in/itution ,! t]m depository in/itution 
has ! mean+ giv5 t t]m "u section #cjc (
 ! ,home ,mortgage ,disclosure ,act (   
#aige 7#ab ,u4,s4,c4 #bhjb74  7#c7 ,f9al
 rule ,! t]m f9al rule means ! f9al rule
 issu$ by ! ,bureau titl$ ,home         
,mortgage ,disclosure 7,regulation ,c7  
7,octob] #bh1 #bjae2 #hj ,f$4 ,reg4     
#ffabh74