Passed on 2025-09-05
Bill · 119th Congress · HR 2808
Homebuyers Privacy Protection Act
Refreshed 2 h ago
Introduced 2025-04-10Topic: economy jobsSummary
Summary by the Congressional Research ServiceHomebuyers Privacy Protection Act This act limits the circumstances in which credit reporting agencies may provide consumer credit reports to third parties in connection with residential mortgage transactions. Specifically, the act 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 enactment. The Government Accountability Office must study and report on the value of trigger leads (a marketing tactic facilitated by credit reporting agencies that may result in unsolicited credit offers to a consumer after a consumer applies for a separate type of credit) received by text message.
Sponsors
- John W. Rose Republican sponsor
- 88 cosponsors
Action history
| Date | Chamber | Action | Status effect |
|---|---|---|---|
| 2025-09-05 | Became Public Law No: 119-36. | enact | |
| 2025-09-05 | Became Public Law No: 119-36. | enact | |
| 2025-09-05 | Signed by President. | ||
| 2025-09-05 | Signed by President. | enact | |
| 2025-08-25 | House | Presented to President. | sent to executive |
| 2025-08-25 | Presented to President. | sent to executive | |
| 2025-08-08 | Senate | Message on Senate action sent to the House. | |
| 2025-08-02 | Senate | Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522) | |
| 2025-08-02 | Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent. | floor pass | |
| 2025-06-24 | Senate | Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104. | |
| 2025-06-23 | House | Motion to reconsider laid on the table Agreed to without objection. | |
| 2025-06-23 | House | On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876) | |
| 2025-06-23 | 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) | floor pass | |
| 2025-06-23 | House | DEBATE - The House proceeded with forty minutes of debate on H.R. 2808. | |
| 2025-06-23 | House | Considered under suspension of the rules. (consideration: CR H2876-2877) | |
| 2025-06-23 | House | Mr. Rose moved to suspend the rules and pass the bill, as amended. | |
| 2025-06-20 | House | Placed on the Union Calendar, Calendar No. 133. | |
| 2025-06-20 | House | Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166. | report |
| 2025-06-20 | Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166. | report | |
| 2025-06-10 | House | Ordered to be Reported (Amended) by the Yeas and Nays: 46 - 0. | refer |
| 2025-06-10 | House | Committee Consideration and Mark-up Session Held | refer |
| 2025-04-10 | House | Referred to the House Committee on Financial Services. | refer |
| 2025-04-10 | Introduced in House | introduce | |
| 2025-04-10 | Introduced in House | introduce |