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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.
Introduced
Apr 10, 2025
Last Action
Sep 5, 2025
Session
119th Congress
Sponsors
1 primary · 89 co
Passage Probability
100% — Enacted
Signed by President.
Became Public Law No: 119-36.
Presented to President.
Message on Senate action sent to the House.
Passed Senate without amendment by Unanimous Consent.
Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104.
Mr. Rose moved to suspend the rules and pass the bill, as amended.
DEBATE - The House proceeded with forty minutes of debate on H.R. 2808.
On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.
Motion to reconsider laid on the table Agreed to without objection.
Considered under suspension of the rules.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.
Placed on the Union Calendar, Calendar No. 133.
Committee Consideration and Mark-up Session Held
Ordered to be Reported (Amended) by the Yeas and Nays: 46 - 0.
Introduced in House
Referred to the House Committee on Financial Services.
Get a plain-English explanation of what this bill does, who it affects, and why it matters.
100%
Estimate based on legislative signals
See what factors are driving this score — cosponsor support, bipartisan backing, committee progress, and more.
Upgrade to ProBecame Public Law No: 119-36.