SAFE Act Confidentiality and Privilege Enhancement Act

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Congressional Research Service

Official summary

Version 00 · Introduced in Senate · Feb 4, 2015

SAFE Act Confidentiality and Privilege Enhancement Act

Amends the S.A.F.E. Mortgage Licensing Act of 2008 to extend to state and federal regulatory officials having financial services oversight authority (currently only those having mortgage oversight authority) access to any information provided to the Nationwide Mortgage Licensing System and Registry (or any system established by the Director of the Consumer Financial Protection Bureau), without the loss of privilege or confidentiality protections provided by federal and state laws.

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People & committees

Who introduced it

Sen. Capito, Shelley Moore [R-WV] · R–WV

Committees

Banking, Housing, and Urban Affairs 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.

Feb 4, 2015
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Feb 4, 2015
Introduced in Senate

Primary sources

Bill text & related measures

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

Introduced in Senate · Feb 4, 2015 Formatted Text PDF Formatted XML

Related bills identified by Congress.gov

S 1910 · Financial Services and General Government Appropriations Act, 2016

Source last updated: Aug 12, 2025. Consult Congress.gov for the current record.

AI Conversation Starters

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Neutral evidence review

Objective

Analyze S.372 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 S.372, 114th Congress: SAFE Act Confidentiality and Privilege Enhancement Act

Official record: https://www.congress.gov/bill/114th-congress/senate-bill/372

Text version to examine: Introduced in Senate · 2015-02-04.

Official full text: https://www.congress.gov/114/bills/s372/BILLS-114s372is.htm

Imported record last updated by the source: 2025-08-12T14:12:07Z. 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 S.372 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 S.372 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 S.372, 114th Congress: SAFE Act Confidentiality and Privilege Enhancement Act

Official record: https://www.congress.gov/bill/114th-congress/senate-bill/372

Text version to examine: Introduced in Senate · 2015-02-04.

Official full text: https://www.congress.gov/114/bills/s372/BILLS-114s372is.htm

Imported record last updated by the source: 2025-08-12T14:12:07Z. 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 S.372 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 S.372 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 S.372, 114th Congress: SAFE Act Confidentiality and Privilege Enhancement Act

Official record: https://www.congress.gov/bill/114th-congress/senate-bill/372

Text version to examine: Introduced in Senate · 2015-02-04.

Official full text: https://www.congress.gov/114/bills/s372/BILLS-114s372is.htm

Imported record last updated by the source: 2025-08-12T14:12:07Z. 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 S.372 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 S.372 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 S.372, 114th Congress: SAFE Act Confidentiality and Privilege Enhancement Act

Official record: https://www.congress.gov/bill/114th-congress/senate-bill/372

Text version to examine: Introduced in Senate · 2015-02-04.

Official full text: https://www.congress.gov/114/bills/s372/BILLS-114s372is.htm

Imported record last updated by the source: 2025-08-12T14:12:07Z. 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 S.372 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.