Homebuyers Privacy Protection Act

Bill: 119-hr-2808
Sponsor: Rep. Rose, John W. [R-TN-6]
Introduced: 2025-04-10 in the House
Policy area: Finance and Financial Sector
Subjects: Consumer credit
Financial services and investments
Housing finance and home ownership
Real estate business
Right of privacy

Summary:
action_date: 2025-04-10
text: 

Homebuyers Privacy Protection Act

This bill limits the circumstances in which credit reporting agencies may provide consumer credit reports to third parties in connection with residential mortgage transactions. 

Specifically, the bill prohibits a credit reporting agency from providing a consumer's credit report to a third party in connection with a residential mortgage transaction unless the transaction consists of a firm offer of credit or insurance and (1) the third party provides documentation certifying that it has the consumer's consent; or (2) the third party has originated a mortgage on behalf of the consumer, is a current mortgage loan servicer to the consumer, or has a current specified banking relationship with the consumer.

These provisions take effect 180 days after the bill's enactment.


Legislative actions:
action_date: 2025-09-05
text: Became Public Law No: 119-36.
action_date: 2025-09-05
text: Became Public Law No: 119-36.
action_date: 2025-09-05
text: Signed by President.
action_date: 2025-09-05
text: Signed by President.
action_date: 2025-08-25
text: Presented to President.
action_date: 2025-08-25
text: Presented to President.
action_date: 2025-08-08
text: Message on Senate action sent to the House.
action_date: 2025-08-02
text: Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522: 1)
action_date: 2025-08-02
text: Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.
action_date: 2025-06-24
text: Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104.
action_date: 2025-06-23
text: Motion to reconsider laid on the table Agreed to without objection.
action_date: 2025-06-23
text: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)
action_date: 2025-06-23
text: Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)
action_date: 2025-06-23
text: DEBATE - The House proceeded with forty minutes of debate on H.R. 2808.
action_date: 2025-06-23
text: Considered under suspension of the rules. (consideration: CR H2876-2877)
action_date: 2025-06-23
text: Mr. Rose moved to suspend the rules and pass the bill, as amended.
action_date: 2025-06-20
text: Placed on the Union Calendar, Calendar No. 133.
action_date: 2025-06-20
text: Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.
action_date: 2025-06-20
text: Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.
action_date: 2025-06-10
text: Ordered to be Reported (Amended) by the Yeas and Nays: 46 - 0.
action_date: 2025-06-10
text: Committee Consideration and Mark-up Session Held
action_date: 2025-04-10
text: Referred to the House Committee on Financial Services.
action_date: 2025-04-10
text: Introduced in House
action_date: 2025-04-10
text: Introduced in House

Enacted as: number: 119-36