PlainBillCongress, translated.Legislation. Context. Public interest.Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Congressional Research Service
Version 00 · Introduced in House · Jun 10, 1999
Consumer Telemarketing Financial Privacy Protection Act of 1999 - Amends the Fair Credit Reporting Act to exclude from the definition of "consumer report" the communication of information, solely regarding transactions or experiences between the consumer and the person making the report, to any other person for the purpose of telemarketing to the consumer, if: (1) the consumer is given advance notice and an opportunity to direct that the information not be communicated; and (2) the information to be communicated does not include an account number or other form of access. Removes provisions prohibiting an examination of a bank, savings association, or credit union regarding compliance with the Act. Removes provisions empowering the Board of Governors of the Federal Reserve System to issue interpretations of the Act regarding: (1) certain domestic (and branches and agencies of foreign) banks, certain commercial lending companies, savings associations, and certain other financial institutions; and (2) Federal credit unions. Requires: (1) certain Federal banking agencies to jointly prescribe regulations for such banks and financial institutions; and (2) the Administrator of the National Credit Union Administration to prescribe regulations for Federal credit unions.
People & committees
Rep. LaFalce, John J. [D-NY-29] · D–NY
Legislative record
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Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Referred to the House Committee on Banking and Financial Services.
Sponsor introductory remarks on measure. (CR E1233-1234)
Introduced in House
Introduced in House
Primary sources
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Source last updated: Aug 20, 2025. Consult Congress.gov for the current record.
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Analyze H.R.2156 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.
Examine H.R.2156 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.
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