Limits when consumer reporting agencies may share consumer reports obtained for mortgage-related credit transactions. The bill adds definitions for credit union, insured depository institution, residential mortgage loan, and servicer, and generally bars furnishing mortgage-purpose credit reports to third parties except in narrow, documented situations (for example, firm offers of credit or other authorized recipients). It also requires the Comptroller General to study and report to Congress within 12 months on the use and value of text-message “trigger leads.” The law and its amendments take effect 180 days after enactment.