II 
Calendar No. 104 
119TH CONGRESS 
1ST SESSION H. R. 2808 
IN THE SENATE OF THE UNITED STATES 
JUNE 24, 2025 
Received; read twice and placed on the calendar 
AN ACT 
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. 
Be it enacted by the Senate and House of Representa-
tives 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 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: 
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‘‘(4) TREATMENT OF PRESCREENING REPORT 
REQUESTS.— 
‘‘(A) DEFINITIONS.—In this paragraph: 
‘‘(i) CREDIT UNION.—The term ‘cred-
it 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 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 
loan’ has the meaning given the term in 
section 1503 of the S.A.F.E. Mortgage Li-
censing 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 
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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 an-
other 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 documenta-
tion to that agency certifying that 
such other person has, pursuant to 
paragraph (1)(A), the authorization of 
the consumer to whom the consumer 
report relates; or 
‘‘(II)(aa) has originated a cur-
rent residential mortgage loan of the 
consumer to whom the consumer re-
port relates; 
‘‘(bb) is the servicer of a current 
residential mortgage loan of the con-
sumer to whom the consumer report 
relates; or 
‘‘(cc)(AA) is an insured deposi-
tory institution or credit union; and 
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‘‘(BB) holds a current account 
for the consumer to whom the con-
sumer 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 trig-
ger leads received by text message that includes input 
from State regulatory agencies, mortgage lenders, deposi-
tory institutions (as defined in section 3 of the Federal 
Deposit Insurance Act (12 U.S.C. 1813)), consumer re-
porting 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). 
Passed the House of Representatives June 23, 2025. 
Attest: 
KEVIN F. MCCUMBER, 
Clerk. 
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Calendar No. 104 
119TH CONGRESS 
1ST SESSION 
H. R. 2808 
AN ACT 
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 24, 2025 
Received; read twice and placed on the calendar 
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