Homebuyers Privacy Protection Act

Sponsored byRep. Rose, John W. [R-TN-6]TN· Introduced 10 April 2025

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Became Public Law No: 119-36.

5 September 2025·10 months ago

Summary

Public Law · Updated 23 June 2026

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.

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.

Timeline

24 actions

Became Public Law No: 119-36.
5 September 2025 · BecameLaw
Signed by President.
5 September 2025 · BecameLaw
Signed by President.
5 September 2025 · President
Became Public Law No: 119-36.
5 September 2025 · President
Presented to President.
25 August 2025 · Floor
Presented to President.
25 August 2025 · President
Message on Senate action sent to the House.
8 August 2025 · Floor
Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.
2 August 2025 · Floor
Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522)
2 August 2025 · Floor
Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104.
24 June 2025 · Calendars
Considered under suspension of the rules. (consideration: CR H2876-2877)
23 June 2025 · Floor
Mr. Rose moved to suspend the rules and pass the bill, as amended.
23 June 2025 · Floor
DEBATE - The House proceeded with forty minutes of debate on H.R. 2808.
23 June 2025 · Floor
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)
23 June 2025 · Floor
On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)
23 June 2025 · Floor
Motion to reconsider laid on the table Agreed to without objection.
23 June 2025 · Floor
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.
20 June 2025 · Committee
Placed on the Union Calendar, Calendar No. 133.
20 June 2025 · Calendars
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.
20 June 2025 · Committee
Ordered to be Reported (Amended) by the Yeas and Nays: 46 - 0.
10 June 2025 · Committee