MOBILE Act of 2018
Latest action. Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 115-380.
MOBILE Act of 2018
This bill establishes requirements for the use of an individual's driver's license or personal identification card by financial institutions to open an account or obtain a financial product or service. It allows financial institutions to scan or copy personal information and store or retain it in any electronic format.
Except as required to comply with federal bank secrecy laws, a financial institution may only use such information to: (1) verify the authenticity of the driver's license or personal identification card; (2) verify the identity of the individual; and (3) comply with a legal requirement to record, retain, or transmit the personal information in connection with opening an account or obtaining a financial product or service. After using the driver's license or personal information card for such purposes, the financial institution must permanently delete any image of the license or card within a reasonable amount of time.
The Department of the Treasury shall report to Congress on: (1) the decrease in the unbanked or underbanked populations through the use of the technology described in this bill in rural communities and underserved populations, and (2) the increase in violations of federal or state laws relating to the disclosure and security of personal information by a financial institution.
Written by analysts at the Congressional Research Service and published on Congress.gov, not by Civibrief. Summarized at the "Introduced in Senate" stage on May 16, 2018. It describes the bill, it is not the legal text.
Where is it in the process, and what happens next?
4 steps remain before this bill could become law.
The record's latest action, on September 18, 2018: Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 115-380.
- Clearing the committees it was referred to, and being scheduled for a floor vote
- Passage by the Senate
- Passage by the House
- The President's signature. If the President vetoes it, two-thirds of both chambers must vote to override.
How likely is it to become law?
Civibrief does not forecast outcomes and this page has no opinion about this one. What the record supports is a base rate, which is a fact about the whole pile, not a prediction about this measure.
In the 115th Congress (2017-18), 442 of the 11,421 bills and joint resolutions introduced became law, about 3.9 percent. That count covers every measure at every stage, including the many that never left committee.
This one is not there yet: 4 steps are still outstanding, listed above.
Has anyone actually voted on it?
No. No roll call in this Congress cites this measure. That is the ordinary outcome: most measures never reach a recorded floor vote, and a committee ends most of them simply by not acting.
A vote is not the only thing that happens to a measure. Hearings, markups, and referrals are all recorded actions, and none of them is a vote of the full chamber.
Who is behind it?
Tim Scott (R-SC) introduced it on May 16, 2018, and 2 members have since signed on as cosponsors.
They come from both major parties: 1 Democrat, 1 Republican.
Cosponsoring is a formal signature on the text. It is not a commitment to vote for the measure, it does not bind anyone's party, and a long list of cosponsors is a measure of attention rather than of prospects.
How long has it been in play?
It was introduced on May 16, 2018, 3039 days ago. The most recent recorded action was 2914 days ago, on September 18, 2018.
Measures do not carry over. Anything the 115th Congress has not finished by January 3, 2019 dies when the term ends, and has to be introduced again from the start in the next Congress.
Every answer above is assembled from this measure's own record on Congress.gov and from published counts of what Congress has passed before. Civibrief does not predict outcomes and takes no position on any measure.
Vote history
- SenateIn committee, no floor vote yet
- HouseAwaits Senate passage
- PresidentAwaits both chambers