Homebuyers Privacy Protection Act

Sponsored bySen. Reed, Jack [D-RI]RI· Introduced 10 avril 2025

Open on Congress.gov

Cosponsors

Actions

Amendments

Committees

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Introduced

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Passed Chamber

Passed Both

Enacted

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Latest action

Held at the desk.

17 juin 2025·1 year ago

Summary

Passed Senate · Updated 1 avril 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

Received in the House.
17 juin 2025 · Floor
Held at the desk.
17 juin 2025 · Floor
Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent. (consideration: CR S3395-3396)
12 juin 2025 · Discharge
Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.
12 juin 2025 · Committee
Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)
12 juin 2025 · Floor
Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)
12 juin 2025 · Floor
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
10 avril 2025 · IntroReferral
Introduced in Senate
10 avril 2025 · IntroReferral

Sponsorship

45 cosponsors

Sponsor

Sen. Reed, Jack [D-RI]RI

Cosponsors

Democrat2453%
Republican2044%
Independent12%

Democrat:Sen. Durbin, Richard J. [D-IL]IL
Republican:Sen. Scott, Rick [R-FL]FL
Republican:Sen. Sullivan, Dan [R-AK]AK
Republican:Sen. Collins, Susan M. [R-ME]ME
Republican:Sen. Hoeven, John [R-ND]ND
Republican:Sen. Cassidy, Bill [R-LA]LA
Republican:Sen. Banks, Jim [R-IN]IN
Republican:Sen. Moreno, Bernie [R-OH]OH
Republican:Sen. Wicker, Roger F. [R-MS]MS
Democrat:Sen. Heinrich, Martin [D-NM]NM
Independent:Sen. King, Angus S., Jr. [I-ME]ME
Democrat:Sen. Shaheen, Jeanne [D-NH]NH
Democrat:Sen. Fetterman, John [D-PA]PA
Republican:Sen. Hagerty, Bill [R-TN]TN
Democrat:Sen. Whitehouse, Sheldon [D-RI]RI
Republican:Sen. Britt, Katie Boyd [R-AL]AL
Republican:Sen. Capito, Shelley Moore [R-WV]WV
Democrat:Sen. Smith, Tina [D-MN]MN
Democrat:Sen. Merkley, Jeff [D-OR]OR
Democrat:Sen. Baldwin, Tammy [D-WI]WI
Democrat:Sen. Cortez Masto, Catherine [D-NV]NV
Republican:Sen. Tillis, Thomas [R-NC]NC
Democrat:Sen. Schatz, Brian [D-HI]HI
Democrat:Sen. Van Hollen, Chris [D-MD]MD
Republican:Sen. Risch, James E. [R-ID]ID
Republican:Sen. Tuberville, Tommy [R-AL]AL
Democrat:Sen. Kelly, Mark [D-AZ]AZ
Democrat:Sen. Markey, Edward J. [D-MA]MA
Democrat:Sen. Peters, Gary C. [D-MI]MI
Democrat:Sen. Klobuchar, Amy [D-MN]MN
Democrat:Sen. Kaine, Tim [D-VA]VA
Republican:Sen. Crapo, Mike [R-ID]ID
Democrat:Sen. Rosen, Jacky [D-NV]NV
Democrat:Sen. Blumenthal, Richard [D-CT]CT
Republican:Sen. Ricketts, Pete [R-NE]NE
Democrat:Sen. Bennet, Michael F. [D-CO]CO
Democrat:Sen. Hickenlooper, John W. [D-CO]CO
Democrat:Sen. Wyden, Ron [D-OR]OR
Democrat:Sen. Alsobrooks, Angela D. [D-MD]MD
Republican:Sen. Rounds, Mike [R-SD]SD
Democrat:Sen. Gallego, Ruben [D-AZ]AZ
Republican:Sen. Cramer, Kevin [R-ND]ND
Republican:Sen. Hyde-Smith, Cindy [R-MS]MS
Republican:Sen. Fischer, Deb [R-NE]NE
Democrat:Sen. Welch, Peter [D-VT]VT

Classification

Policy area

Finance and Financial Sector

Legislative subjects

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

Committees

Banking, Housing, and Urban Affairs Committee
Senate · Standing
- Referred To10 Apr 2025
- Discharged From12 Jun 2025

Cosponsor momentum

Cumulative over time

Track Homebuyers Privacy Protection Act as it moves through Congress