S. 1467

119th Congress

Introduced

Homebuyers Privacy Protection Act

Sponsored byDemocrat:Sen. Reed, Jack [D-RI]RI· Introduced 10 April 2025
Open on Congress.gov

45

Cosponsors

8

Actions

0

Amendments

1

Committees

—

Since introduced

Introduced
Committee
Passed Chamber
Passed Both
Enacted
Step 0 of 0
Latest action

Held at the desk.

17 June 2025·1 year ago

Summary

Passed Senate · Updated 1 April 2026

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.

Timeline

8 actions

  1. Received in the House.

    17 June 2025 · Floor

  2. Held at the desk.

    17 June 2025 · Floor

  3. Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent. (consideration: CR S3395-3396)

    12 June 2025 · Discharge

  4. Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.

    12 June 2025 · Committee

  5. Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)

    12 June 2025 · Floor

  6. Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)

    12 June 2025 · Floor

  7. Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

    10 April 2025 · IntroReferral

  8. Introduced in Senate

    10 April 2025 · IntroReferral

Sponsorship

45 cosponsors

Sponsor

Democrat:Sen. Reed, Jack [D-RI]RI

Cosponsors

  • Democrat2453%
  • Republican2044%
  • Independent12%

Classification

Policy area

Finance and Financial Sector

Legislative subjects

Consumer creditFinancial services and investmentsHousing finance and home ownershipReal estate businessRight of privacy

Committees

1

  • Banking, Housing, and Urban Affairs Committee

    Senate · Standing

    • Referred To10 Apr 2025
    • Discharged From12 Jun 2025

Cosponsor momentum

Cumulative over time

Cosponsors grew from 35 on 10 April 2025 to 45 on 26 June 2025.

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