Bills · 119th Congress · Finance and Financial Sector

Homebuyers Privacy Protection Act

Where it stands

  1. Introduced4/10/25
  2. Passed HousePassed 6/23/25
  3. SenatePassed 8/2/25
  4. PresidentSigned 9/5/25
  5. LawPublic Law 119-36

Passed the House by voice vote on June 23, 2025. Passed the Senate by unanimous consent on August 2, 2025. Became Public Law 119-36 on September 5, 2025.

Passed by voice vote or unanimous consent — no individual positions were recorded.

Official summary (CRS)

Homebuyers 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.

Full text on congress.gov ↗
Sponsor
Rep. John W. Rose ( Republican · TN-6)
Cosponsors
89
Introduced
4/10/25
Policy area
Finance and Financial Sector

What happens next

Became Public Law 119-36.

All actions (19)
  1. 4/10/25Introduced in House
  2. 4/10/25Referred to the House Committee on Financial Services.
  3. 6/10/25Committee Consideration and Mark-up Session Held
  4. 6/10/25Ordered to be Reported (Amended) by the Yeas and Nays: 46 - 0.
  5. 6/20/25Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.
  6. 6/20/25Placed on the Union Calendar, Calendar No. 133.
  7. 6/23/25Mr. Rose moved to suspend the rules and pass the bill, as amended.
  8. 6/23/25Considered under suspension of the rules. (consideration: CR H2876-2877)
  9. 6/23/25DEBATE - The House proceeded with forty minutes of debate on H.R. 2808.
  10. 6/23/25Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)
  11. 6/23/25On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)
  12. 6/23/25Motion to reconsider laid on the table Agreed to without objection.
  13. 6/24/25Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104.
  14. 8/2/25Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.
  15. 8/2/25Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522)
  16. 8/8/25Message on Senate action sent to the House.
  17. 8/25/25Presented to President.
  18. 9/5/25Signed by President.
  19. 9/5/25Became Public Law No: 119-36.