H.R. 3183, a bill to amend the Consumer Financial Protection Act of 2010 to provide consumers with a free annual disclosure of information the Bureau of Consumer Financial Protection maintains on them, and for other purposes

Cost Estimate
February 6, 2014

As ordered reported by the House Committee on Financial Services on November 21, 2013

H.R. 3183 would require the Consumer Financial Protection Bureau (CFPB) to provide, at a consumer’s request, all information the bureau maintains about that individual as a result of the bureau’s efforts to monitor markets for consumer financial products. In responding to the request, the bureau also would be required to provide the sources of that information and a listing of any other entity that has received such information from the bureau.

CBO estimates that enacting H.R. 3183 would increase direct spending by $18 million over the 2014-2024 period; therefore, pay-as-you go procedures apply. Enacting H.R. 3183 would not affect revenues, and implementing the bill would not affect spending subject to appropriation.

H.R. 3183 contains no intergovernmental or private-sector mandates as defined in the Unfunded Mandates Reform Act and would not affect the budgets of state, local, or tribal governments.