Limits consumer report sharing by credit agencies for mortgage credit offers.
Amends the Fair Credit Reporting Act to restrict consumer reporting agencies from sharing consumer reports for mortgage credit offers unless specific conditions are met. Requires agencies to ensure the requester has consumer authorization or is the mortgage servicer, or an insured depository institution with a current account for the consumer. The Comptroller General must report findings and determinations from a study on trigger leads within 12 months of enactment. The act takes effect 180 days after enactment.
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