PROTECT Act of 2017

Referred to the House Committee on Financial Services.

Congressional Research Service

Official summary

Version 00 · Introduced in House · Oct 12, 2017

Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017 or the PROTECT Act of 2017

This bill amends the Federal Financial Institutions Examination Council Act of 1978 to require supervision and examination of large consumer reporting agencies regarding cybersecurity measures.

The bill amends the Fair Credit Reporting Act to allow consumers to request a consumer reporting agency to place a security freeze on their reports. The bill includes provisions for fees and exceptions from such fees.

Consumer reporting agencies may not use a consumer's Social Security number in a consumer report or as a method to identify the consumer.

Read the summary on Congress.gov

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People & committees

Who introduced it

Rep. McHenry, Patrick T. [R-NC-10] · R–NC

Committees

Financial Services Committee

1 cosponsorship records, including any withdrawals

Rep. Faso, John J. [R-NY-19]

Legislative record

Actions

A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.

Oct 12, 2017
Referred to the House Committee on Financial Services.
Oct 12, 2017
Introduced in House
Oct 12, 2017
Introduced in House

Primary sources

Bill text & related measures

Text links open the official source. We currently store references to these documents.

Introduced in House · Oct 12, 2017 Formatted Text PDF Formatted XML

Related bills identified by Congress.gov

S 1982 · PROTECT Act of 2017

Source last updated: Sep 23, 2025. Consult Congress.gov for the current record.

AI Conversation Starters

Explore the bill from different angles

Choose a perspective, copy a prompt, and paste it into your preferred AI. Each prompt includes the bill version and available official source links, and asks for counterarguments as well as supporting evidence.

Neutral evidence review

Objective

Analyze H.R.4028 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.

View full prompt & sources

Discuss H.R.4028, 115th Congress: PROTECT Act of 2017

Official record: https://www.congress.gov/bill/115th-congress/house-bill/4028

Text version to examine: Introduced in House · 2017-10-12.

Official full text: https://www.congress.gov/115/bills/hr4028/BILLS-115hr4028ih.htm

Imported record last updated by the source: 2025-09-23T22:20:18Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Analyze H.R.4028 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.

Fairness and public impact

Progressive lens

Examine H.R.4028 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.

View full prompt & sources

Discuss H.R.4028, 115th Congress: PROTECT Act of 2017

Official record: https://www.congress.gov/bill/115th-congress/house-bill/4028

Text version to examine: Introduced in House · 2017-10-12.

Official full text: https://www.congress.gov/115/bills/hr4028/BILLS-115hr4028ih.htm

Imported record last updated by the source: 2025-09-23T22:20:18Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.4028 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.

Institutions and government scope

Conservative lens

Examine H.R.4028 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

View full prompt & sources

Discuss H.R.4028, 115th Congress: PROTECT Act of 2017

Official record: https://www.congress.gov/bill/115th-congress/house-bill/4028

Text version to examine: Introduced in House · 2017-10-12.

Official full text: https://www.congress.gov/115/bills/hr4028/BILLS-115hr4028ih.htm

Imported record last updated by the source: 2025-09-23T22:20:18Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.4028 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

Individual rights and government power

Liberty lens

Examine H.R.4028 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.

View full prompt & sources

Discuss H.R.4028, 115th Congress: PROTECT Act of 2017

Official record: https://www.congress.gov/bill/115th-congress/house-bill/4028

Text version to examine: Introduced in House · 2017-10-12.

Official full text: https://www.congress.gov/115/bills/hr4028/BILLS-115hr4028ih.htm

Imported record last updated by the source: 2025-09-23T22:20:18Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.4028 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.