Bills · 119th Congress · Finance and Financial Sector

Homebuyers Privacy Protection Act

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

Official summary (CRS)

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

Status

4/10/25Referred to the House Committee on Financial Services.

4/10/25Introduced in House

6/10/25Ordered to be Reported (Amended) by the Yeas and Nays: 46 - 0.

6/10/25Committee Consideration and Mark-up Session Held

6/20/25Placed on the Union Calendar, Calendar No. 133.

6/20/25Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.

6/23/25Motion to reconsider laid on the table Agreed to without objection.

6/23/25On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)

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)

6/23/25DEBATE - The House proceeded with forty minutes of debate on H.R. 2808.

6/23/25Considered under suspension of the rules. (consideration: CR H2876-2877)

6/23/25Mr. Rose moved to suspend the rules and pass the bill, as amended.

6/24/25Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104.

8/2/25Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522)

8/2/25Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.

8/8/25Message on Senate action sent to the House.

8/25/25Presented to President.

9/5/25Became Public Law No: 119-36.

9/5/25Signed by President.