,i  #aafth ,,congress  #b;d ,session    
,h4 ,r4 #egbj  ,,in ,,the ,,house ,,of  
,,representatives  ,january #cj1        
#bjbj,mr4 ,clay introduced the following
 bill2 which was referred to the        
,committee on ,financial ,services  ,a  
,,bill  ,to amend the ,fair ,credit     
,reporting ,act to prohibit the creation
 and sale of trigger leads1 and for     
other purposes4  #a4 ,trigger lead      
prohibition ,section #fjd7;c7 of the    
,fair ,credit ,reporting ,act 7#ae      
,u4,s4,c4 #afha;b7c77 is amended by     
adding at the end the following3  7#d7  
,prohibition on trigger leads for       
residential mortgage loans              
,notwithstanding paragraph 7#a71 no     
consumer reporting agency may furnish a 
consumer report in connection with a    
credit transaction that is not initiated
 by a consumer1 if the report is being  
procured based in whole or in part on   
the presence of an inquiry made in      
connection with a residential mortgage  
loan 7as defined under section #ajc of  

the ,truth in ,lending ,act 7#ae        
,u4,s4,c4 #afjb774  4