IB 
Union Calendar No. 133 
119TH CONGRESS 
1ST SESSION H. R. 2808 
[Report No. 119–166] 
To amend the Fair Credit Reporting Act to prevent consumer reporting 
agencies from furnishing consumer reports under certain circumstances, 
and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
APRIL 10, 2025 
Mr. ROSE (for himself, Mr. TORRES of New York, Mr. GARBARINO, Mr. NUNN 
of Iowa, Mr. AMODEI of Nevada, Mr. AMO, Mr. NEGUSE, Ms. NORTON, 
Mr. OGLES, Mr. STEIL, Mr. WITTMAN, Mr. LUCAS, Mr. JOHNSON of 
South Dakota, Mr. TIMMONS, Mr. BERGMAN, Ms. BROWNLEY, Mr. 
SUOZZI, Mr. MOOLENAAR, Mr. CLEAVER, Mrs. BICE, Mr. FIELDS, Mr. 
SMITH of Nebraska, Mr. SCOTT FRANKLIN of Florida, Mr. KUSTOFF, 
Mr. KELLY of Mississippi, Ms. PETTERSEN, Mr. GUEST, and Mr. 
FITZPATRICK) introduced the following bill; which was referred to the 
Committee on Financial Services 
JUNE 20, 2025 
Additional sponsors: Mrs. MCCLAIN, Ms. WILLIAMS of Georgia, Mrs. BEATTY, 
Mr. CROW, Mr. THOMPSON of Mississippi, Mr. EZELL, Ms. DE LA CRUZ, 
Mr. FLOOD, Mr. MEUSER, Mr. HERN of Oklahoma, Mr. BUCHANAN, Mr. 
BISHOP, Mr. FOSTER, Mr. SHERMAN, Mr. RUTHERFORD, Mr. ALFORD, 
Mr. MRVAN, Mr. GROTHMAN, Mr. MOORE of North Carolina, Mr. 
HARIDOPOLOS, Mr. WEBSTER of Florida, Mr. CASE, Mr. KILEY of Cali-
fornia, Mr. BACON, Mr. DAVIDSON, Mr. FINSTAD, Mr. VINDMAN, Mr. 
GOLDEN of Maine, Mr. HUIZENGA, Mr. DONALDS, Mr. STUTZMAN, Mr. 
MANN, 
Mr. 
LAWLER, 
Mr. 
BURCHETT, 
Mr. 
GOTTHEIMER, 
Ms. 
VELA´ZQUEZ, Mr. LYNCH, Mr. MEEKS, Ms. MCBRIDE, Mr. SCHMIDT, Mr. 
CLINE, Mr. LAHOOD, Mr. FLEISCHMANN, Mrs. FISCHBACH, Mr. 
SORENSEN, Mrs. LUNA, Mr. SMUCKER, Ms. CRAIG, Mr. BARRETT, Mr. 
DOWNING, Mr. DAVID SCOTT of Georgia, Mr. NORMAN, Ms. BYNUM, Ms. 
ROSS, Mr. SESSIONS, Mr. LICCARDO, Mr. TIFFANY, Mrs. KIGGANS of 
Virginia, Mr. CLOUD, Ms. KELLY of Illinois, Mr. SCHNEIDER, and Mrs. 
HINSON 
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JUNE 20, 2025 
Reported with an amendment, committed to the Committee of the Whole 
House on the State of the Union, and ordered to be printed 
[Strike out all after the enacting clause and insert the part printed in italic] 
[For text of introduced bill, see copy of bill as introduced on April 10, 2025] 
A BILL 
To amend the Fair Credit Reporting Act to prevent con-
sumer reporting agencies from furnishing consumer re-
ports under certain circumstances, and for other pur-
poses. 
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Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SEC. 1. SHORT TITLE. 
This Act may be cited as the ‘‘Homebuyers Privacy 
Protection Act’’. 
SEC. 2. TREATMENT OF PRESCREENING REPORT RE-
QUESTS. 
(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 RE-
QUESTS.— 
‘‘(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 de-
fined, respectively, in section 101 of the 
Federal Credit Union Act (12 U.S.C. 1752). 
‘‘(ii) INSURED
DEPOSITORY
INSTITU-
TION.—The term ‘insured depository insti-
tution’ 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 
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loan’ has the meaning given the term in sec-
tion 1503 of the S.A.F.E. Mortgage Licens-
ing 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 Proce-
dures 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 agen-
cy 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 para-
graph (1)(A), the authorization of the 
consumer to whom the consumer report 
relates; or 
‘‘(II)(aa) has originated a current 
residential mortgage loan of the con-
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sumer to whom the consumer report re-
lates; 
‘‘(bb) is the servicer of a current 
residential mortgage loan of the con-
sumer to whom the consumer report re-
lates; or 
‘‘(cc)(AA) is an insured deposi-
tory institution or credit union; and 
‘‘(BB) holds a current account for 
the consumer to whom the consumer re-
port 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 in-
stitutions (as defined in section 3 of the Federal Deposit 
Insurance Act (12 U.S.C. 1813)), consumer reporting agen-
cies (as defined in section 603 of the Fair Credit Reporting 
Act (15 U.S.C. 1681a)), and consumers. 
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(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 con-
taining any findings and determinations made in the study 
required by subsection (a). 
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Union Calendar No. 133 
119TH CONGRESS 
1ST SESSION 
H. R. 2808 
[Report No. 119–166] 
A BILL 
To amend the Fair Credit Reporting Act to prevent 
consumer reporting agencies from furnishing con-
sumer reports under certain circumstances, and 
for other purposes. 
JUNE 20, 2025 
Reported with an amendment, committed to the Com-
mittee of the Whole House on the State of the Union, 
and ordered to be printed 
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22:20 Jun 20, 2025
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