HR 2808 · 119th Congress 2025–2027

Homebuyers Privacy Protection Act

Introduced Apr 10, 2025 Originated House Sponsor John W. Rose R-TN

Fact sheet

Latest action · Sep 5, 2025 Became Public Law No: 119-36.

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.

  1. IntroducedApr 10, 2025
  2. Passed HouseJun 23, 2025
  3. Passed SenateAug 2, 2025
  4. To the PresidentAug 25, 2025
  5. Became lawSep 5, 2025

Summary

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.

Cosponsors 89

Members who signed on, in the order they did. Signatures ran from Apr 10, 2025 to Jun 20, 2025, with 27 there on the day it was introduced.

SeatCosponsorSigned on
R-NEAdrian SmithOriginalApr 10, 2025
R-TNAndrew OglesOriginalApr 10, 2025
R-NYAndrew R. GarbarinoOriginalApr 10, 2025
R-PABrian K. FitzpatrickOriginalApr 10, 2025
D-COBrittany PettersenOriginalApr 10, 2025
R-WIBryan SteilOriginalApr 10, 2025
D-LACleo FieldsOriginalApr 10, 2025
R-TNDavid KustoffOriginalApr 10, 2025
R-SDDusty JohnsonOriginalApr 10, 2025
D-DCEleanor Holmes NortonOriginalApr 10, 2025
D-MOEmanuel CleaverOriginalApr 10, 2025
R-OKFrank D. LucasOriginalApr 10, 2025
D-RIGabe AmoOriginalApr 10, 2025
R-MIJack BergmanOriginalApr 10, 2025
D-COJoe NeguseOriginalApr 10, 2025
Show all 89 cosponsors

Actions 20

Everything that happened, newest first.

  1. Sep 5, 2025Became Public Law No: 119-36.
  2. Sep 5, 2025Signed by President.
  3. Aug 25, 2025Presented to President.
  4. Aug 8, 2025Message on Senate action sent to the House.
  5. Aug 2, 2025Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522)
Show all 20 actions

Related bills 2

Companion bills and other measures the record links to this one.

BillTitleRelationshipLatest action
S 1467Homebuyers Privacy Protection ActIdentical billJun 17, 2025
S 1467Homebuyers Privacy Protection ActPublic law contains the textJun 17, 2025

Subjects

Assigned by the Library of Congress. Policy area: Finance and Financial Sector.

Text 5

Each version as it was printed, newest first.

  1. —Enrolled Bill
  2. Jun 24, 2025Placed on Calendar Senate
  3. Jun 23, 2025Engrossed in House
  4. Jun 20, 2025Reported in House
  5. Apr 10, 2025Introduced in House

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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.