H. R. 2808
One Hundred Nineteenth Congress
of the
United States of America 
AT THE FIRST SESSION 
Begun and held at the City of Washington on Friday, 
the third day of January, two thousand and twenty-five 
An Act 
To amend the Fair Credit Reporting Act to prevent consumer reporting agencies 
from furnishing consumer reports under certain circumstances, and for other 
purposes.
Be it enacted by the Senate and House of Representatives of 
the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Homebuyers Privacy Protection 
Act’’. 
SEC. 2. TREATMENT OF PRESCREENING REPORT REQUESTS. 
(a) IN GENERAL.—Section 604(c) of the Fair Credit Reporting 
Act (15 U.S.C. 1681b(c)) is amended by adding at the end the 
following: 
‘‘(4) TREATMENT OF PRESCREENING REPORT REQUESTS.—
‘‘(A) DEFINITIONS.—In this paragraph: 
‘‘(i) CREDIT UNION.—The term ‘credit union’ means 
a Federal credit union or a State credit union, as 
those terms are defined, respectively, in section 101 
of the Federal Credit Union Act (12 U.S.C. 1752). 
‘‘(ii) INSURED DEPOSITORY INSTITUTION.—The term 
‘insured depository institution’ has the meaning given 
the term in section 3 of the Federal Deposit Insurance 
Act (12 U.S.C. 1813(c)). 
‘‘(iii) RESIDENTIAL
MORTGAGE
LOAN.—The term 
‘residential mortgage loan’ has the meaning given the 
term in section 1503 of the S.A.F.E. Mortgage 
Licensing Act of 2008 (12 U.S.C. 5102). 
‘‘(iv) SERVICER.—The term ‘servicer’ has the 
meaning given the term in section 6(i) of the Real 
Estate Settlement Procedures Act of 1974 (12 U.S.C. 
2605(i)). 
‘‘(B) LIMITATION.—If a person requests a consumer 
report from a consumer reporting agency in connection 
with a credit transaction involving a residential mortgage 
loan, that agency may not, based in whole or in part 
on that request, furnish a consumer report to another 
person under this subsection unless—
‘‘(i) the transaction consists of a firm offer of credit 
or insurance; and 
‘‘(ii) that other person—
‘‘(I) has submitted documentation to that 
agency certifying that such other person has, 
pursuant to paragraph (1)(A), the authorization
H. R. 2808—2
of the consumer to whom the consumer report 
relates; or 
‘‘(II)(aa) has originated a current residential 
mortgage loan of the consumer to whom the con-
sumer report relates; 
‘‘(bb) is the servicer of a current residential 
mortgage loan of the consumer to whom the con-
sumer report relates; or 
‘‘(cc)(AA) is an insured depository institution 
or credit union; and 
‘‘(BB) holds a current account for the consumer 
to whom the consumer report relates.’’. 
SEC. 3. EFFECTIVE DATE. 
This Act, and the amendments made by this Act, shall take 
effect on the date that is 180 days after the date of enactment 
of this Act. 
SEC. 4. GAO STUDY. 
(a) IN GENERAL.—The Comptroller General of the United States 
shall carry out a study on the value of trigger leads received 
by text message that includes input from State regulatory agencies, 
mortgage lenders, depository institutions (as defined in section 3 
of the Federal Deposit Insurance Act (12 U.S.C. 1813)), consumer 
reporting agencies (as defined in section 603 of the Fair Credit 
Reporting Act (15 U.S.C. 1681a)), and consumers. 
(b) REPORT.—Not later than the end of the 12-month period 
beginning on the date of enactment of this Act, the Comptroller 
General shall submit to Congress a report containing any findings 
and determinations made in the study required by subsection (a).
Speaker of the House of Representatives.
Vice President of the United States and
President of the Senate.