Homebuyers Privacy Protection Act
Latest action · Dec 18, 2024 Held at the desk.
Progress
Where this bill reached, and when. A stage with no date was not reached; one that failed a vote and later carried shows the date it carried.
- IntroducedDec 13, 2023
- Passed SenateDec 17, 2024
- Passed HouseNot reached
- To the PresidentNot reached
- Became lawNot reached
Summary
Homebuyers Privacy Protection Act
This 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 (1) the third party provides documentation certifying that it has the consumer's consent; or (2) the third party has originated the mortgage, is the current loan servicer, or has a current specified banking relationship with the consumer.
Cosponsors 43
Members who signed on, in the order they did. Signatures ran from Dec 13, 2023 to Sep 19, 2024; 1 is an original cosponsor, there from the day it was introduced.
| Seat | Cosponsor | Signed on | |
|---|---|---|---|
| R-TN | Bill Hagerty | Original | Dec 13, 2023 |
| R-NE | Deb Fischer | Jan 18, 2024 | |
| D-OR | Jeff Merkley | Jan 18, 2024 | |
| D-PA | John Fetterman | Jan 31, 2024 | |
| R-NE | Pete Ricketts | Jan 31, 2024 | |
| D-MD | Chris Van Hollen | Feb 6, 2024 | |
| R-TN | Marsha Blackburn | Feb 6, 2024 | |
| R-IN | Mike Braun | Feb 7, 2024 | |
| R-AL | Katie Boyd Britt | Feb 27, 2024 | |
| D-MN | Tina Smith | Feb 27, 2024 | |
| D-NH | Jeanne Shaheen | Mar 6, 2024 | |
| I-ME | Angus S. King Jr. | Mar 7, 2024 | |
| R-SD | Mike Rounds | Mar 14, 2024 | |
| R-ND | Kevin Cramer | Mar 19, 2024 | |
| R-ID | Mike Crapo | Mar 19, 2024 | |
| D-RI | Sheldon Whitehouse | Mar 21, 2024 | |
| R-SD | John Thune | Mar 22, 2024 | |
| D-HI | Brian Schatz | Apr 9, 2024 | |
| R-FL | Rick Scott | Apr 23, 2024 | |
| R-AL | Tommy Tuberville | Apr 23, 2024 | |
| R-LA | Bill Cassidy | May 1, 2024 | |
| D-MA | Elizabeth Warren | May 2, 2024 | |
| R-ID | James E. Risch | May 2, 2024 | |
| D-MT | Jon Tester | May 2, 2024 | |
| D-VA | Mark R. Warner | May 7, 2024 | |
| R-WV | Shelley Moore Capito | May 7, 2024 | |
| R-MS | Cindy Hyde-Smith | May 9, 2024 | |
| D-VA | Tim Kaine | May 9, 2024 | |
| D-NV | Catherine Cortez Masto | May 14, 2024 | |
| D-WV | Joe Manchin III | May 14, 2024 | |
| D-CT | Richard Blumenthal | May 20, 2024 | |
| D-WI | Tammy Baldwin | May 22, 2024 | |
| R-NC | Thom Tillis | May 22, 2024 | |
| I-AZ | Kyrsten Sinema | Jun 3, 2024 | |
| D-MN | Amy Klobuchar | Jun 11, 2024 | |
| D-CO | Michael F. Bennet | Jun 12, 2024 | |
| D-MI | Gary C. Peters | Jul 9, 2024 | |
| D-NV | Jacky Rosen | Jul 9, 2024 | |
| D-VT | Peter Welch | Jul 9, 2024 | |
| D-PA | Robert P. Casey Jr. | Jul 23, 2024 | |
| R-KS | Jerry Moran | Jul 29, 2024 | |
| D-OR | Ron Wyden | Jul 30, 2024 | |
| D-MA | Edward J. Markey | Sep 19, 2024 |
Committees 1
Where it was sent and what each committee and subcommittee did with it, in order.
| Chamber | Committee | What it did |
|---|---|---|
| Senate | Banking, Housing, and Urban Affairs Committee | Referred Dec 13, 2023Hearings Mar 12, 2024Discharged Dec 18, 2024 |
Actions 9
Everything that happened, newest first.
- Dec 18, 2024Message on Senate action sent to the House.
- Dec 18, 2024Received in the House.
- Dec 18, 2024Held at the desk.
- Dec 17, 2024Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.
- Dec 17, 2024Measure laid before Senate by unanimous consent. (consideration: CR S7093)
In the Congressional Record 2
Days the Record’s own index lists this bill, newest first, with the pages and the members it names. Pages starting H are the House, S the Senate, E Extensions of Remarks.
| Where | In the Record | Members | Date |
|---|---|---|---|
| Senate | Debate and remarks S7093Text printed S7093Amendments S7093, S7118 | Bill Hagerty R-TN (amendment), Charles E. Schumer D-NY (amendment), Jack Reed D-RI (amendment) | Dec 17, 2024 |
| Senate | Debate and remarks S5963 | Jack Reed D-RI | Dec 13, 2023 |
Research
What has been written about this bill: committee reports, cost estimates, the sponsor’s authority statement, printed hearings and the Congressional Research Service’s work.
Printed hearings 1
Hearings whose printed record names this bill, newest first: hearings on it, and wider hearings where it came up.
| Number | Hearing | Committee | Held |
|---|---|---|---|
| S. Hrg. 118-548 | EXAMINING PROPOSALS TO ADDRESS HOUSING AFFORDABILITY, AVAILABILITY, AND OTHER COMMUNITY NEEDS456 pages | Banking, Housing, and Urban Affairs Committee | Mar 12, 2024 |
CRS reports 1
Congressional Research Service work that CRS links to this bill or the law it became, newest first.
Cite it 1
Products on other subjects that cite it, usually among other measures.
| Product | Title | Kind | Published |
|---|---|---|---|
| R47628 | Housing Issues in the 118th Congress | Report | Jan 13, 2025 |
Amendments 1
Amendments offered to this bill.
| Amendment | Description | Offered by | Status |
|---|---|---|---|
| SA 3339 | In the nature of a substitute. | Jack Reed D-RIfor Charles E. Schumer | Amendment SA 3339 agreed to in Senate by Unanimous Consent. |
Related bills 1
Companion bills and other measures the record links to this one.
| Bill | Title | Relationship | Latest action |
|---|---|---|---|
| HR 7297 | Homebuyers Privacy Protection Act | Identical bill | Feb 7, 2024 |
Titles 3
Every title it has carried, official and short, at each stage.
- Official Title as Introduced
- A bill to amend the Fair Credit Reporting Act to prevent consumer reporting agencies from furnishing consumer reports under certain circumstances, and for other purposes.
- Short Title(s) as Introduced
- Homebuyers Privacy Protection Act
- Short Title(s) as Passed Senate
- Homebuyers Privacy Protection Act
Subjects
Assigned by the Library of Congress. Policy area: Finance and Financial Sector.
Text 2
Each version as it was printed, newest first.
- Dec 17, 2024Engrossed in Senate
- Dec 13, 2023Introduced in Senate
Everything here is as published by Congress: the summary is the Congressional Research Service's, the action wording is the clerks', and the subjects are the Library of Congress's. How far it got is read from the actions themselves, taking the most recent one of each kind, so a bill that failed a vote and later passed is shown as having passed. Records come from this bill on Congress.gov and govinfo.gov; cost estimates are the Congressional Budget Office's, and the hearings are the printed hearings GovInfo publishes, which can appear months after the hearing.
