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Public Law119th CongressFinance and Financial Sector
H.R. 2808Became Law

Homebuyers Privacy Protection Act

This bill became law

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What it doesSummary public law (Sep 5, 2025)

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.

What just happenedSep 5, 2025

Became Public Law No: 119-36.

Who’s behind it

Rep. Rose, John W. [R-TN-6](R-TN)Sponsor
89 cosponsors33 D56 R
Read on Congress.gov
89cosponsors1committees24actions3related bills6subjects
  1. Sep 5, 2025PresidentE40000

    Became Public Law No: 119-36.

  2. Sep 5, 2025BecameLaw36000

    Became Public Law No: 119-36.

  3. Sep 5, 2025PresidentE30000

    Signed by President.

  4. Sep 5, 2025BecameLaw36000

    Signed by President.

  5. Aug 25, 2025FloorE20000

    Presented to President.

  6. Aug 25, 2025President28000

    Presented to President.

  7. Aug 8, 2025Floor

    Message on Senate action sent to the House.

  8. Aug 2, 2025Floor

    Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522)

  9. Aug 2, 2025Floor17000

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

  10. Jun 24, 2025Calendars

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

  11. Jun 23, 2025FloorH38310

    Motion to reconsider laid on the table Agreed to without objection.

  12. Jun 23, 2025FloorH37300

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

  13. Jun 23, 2025Floor8000

    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)

  14. Jun 23, 2025FloorH8D000

    DEBATE - The House proceeded with forty minutes of debate on H.R. 2808.

  15. Jun 23, 2025FloorH30000

    Considered under suspension of the rules. (consideration: CR H2876-2877)

  16. Jun 23, 2025FloorH30300

    Mr. Rose moved to suspend the rules and pass the bill, as amended.

  17. Jun 20, 2025CalendarsH12410

    Placed on the Union Calendar, Calendar No. 133.

  18. Jun 20, 2025CommitteeH12200

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

    Financial Services Committee
  19. Jun 20, 2025Committee5000

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

    Financial Services Committee
  20. Jun 10, 2025Committee

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

    Financial Services Committee
  21. Jun 10, 2025Committee

    Committee Consideration and Mark-up Session Held

    Financial Services Committee
  22. Apr 10, 2025IntroReferralH11100

    Referred to the House Committee on Financial Services.

    Financial Services Committee
  23. Apr 10, 2025IntroReferralIntro-H

    Introduced in House

  24. Apr 10, 2025IntroReferral1000

    Introduced in House

Public LawSep 5, 202549

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.

Introduced in HouseApr 10, 2025

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.