MOBILE Act of 2016

Referred to the House Committee on Financial Services.

Congressional Research Service

Official summary

Version 00 · Introduced in House · Sep 28, 2016

Making Online Banking Initiation Legal and Easy Act of 2016 or the MOBILE Act of 2016

This bill authorizes a financial institution, with an individual's consent, to record personal information from a swipe or copy of an individual's driver's license or personal identification card and store the information electronically for the purpose of verifying the authenticity of the driver's license or identification card, verifying the identity of the individual, or complying with legal requirements.

Financial institutions must not sell, rent, transfer, or make the personal information available to another person, other than an affiliate.

Read the summary on Congress.gov

PlainBill analysis is coming later. This page presents official source data. We have not yet published a PlainBill explanation for this bill.

People & committees

Who introduced it

Rep. Tipton, Scott R. [R-CO-3] · R–CO

Committees

Financial Services Committee

5 cosponsorship records, including any withdrawals

Legislative record

Actions

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

Sep 28, 2016
Referred to the House Committee on Financial Services.
Sep 28, 2016
Introduced in House
Sep 28, 2016
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 · Sep 28, 2016 Formatted Text PDF Formatted XML

Related bills identified by Congress.gov

HR 1457 · MOBILE Act of 2017

Source last updated: Aug 12, 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.6287 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.

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Discuss H.R.6287, 114th Congress: MOBILE Act of 2016

Official record: https://www.congress.gov/bill/114th-congress/house-bill/6287

Text version to examine: Introduced in House · 2016-09-28.

Official full text: https://www.congress.gov/114/bills/hr6287/BILLS-114hr6287ih.htm

Imported record last updated by the source: 2025-08-12T14:14:53Z. 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.6287 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.6287 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.6287, 114th Congress: MOBILE Act of 2016

Official record: https://www.congress.gov/bill/114th-congress/house-bill/6287

Text version to examine: Introduced in House · 2016-09-28.

Official full text: https://www.congress.gov/114/bills/hr6287/BILLS-114hr6287ih.htm

Imported record last updated by the source: 2025-08-12T14:14:53Z. 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.6287 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.6287 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.6287, 114th Congress: MOBILE Act of 2016

Official record: https://www.congress.gov/bill/114th-congress/house-bill/6287

Text version to examine: Introduced in House · 2016-09-28.

Official full text: https://www.congress.gov/114/bills/hr6287/BILLS-114hr6287ih.htm

Imported record last updated by the source: 2025-08-12T14:14:53Z. 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.6287 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.6287 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.6287, 114th Congress: MOBILE Act of 2016

Official record: https://www.congress.gov/bill/114th-congress/house-bill/6287

Text version to examine: Introduced in House · 2016-09-28.

Official full text: https://www.congress.gov/114/bills/hr6287/BILLS-114hr6287ih.htm

Imported record last updated by the source: 2025-08-12T14:14:53Z. 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.6287 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.