Homebuyers Privacy Protection Act
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.
- IntroducedApr 10, 2025
- Passed HouseJun 23, 2025
- Passed SenateAug 2, 2025
- To the PresidentAug 25, 2025
- Became lawSep 5, 2025Public Law 119-36
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; 27 are original cosponsors, there from the day it was introduced.
| Seat | Cosponsor | Signed on | |
|---|---|---|---|
| R-NE | Adrian Smith | Original | Apr 10, 2025 |
| R-TN | Andrew Ogles | Original | Apr 10, 2025 |
| R-NY | Andrew R. Garbarino | Original | Apr 10, 2025 |
| R-PA | Brian K. Fitzpatrick | Original | Apr 10, 2025 |
| D-CO | Brittany Pettersen | Original | Apr 10, 2025 |
| R-WI | Bryan Steil | Original | Apr 10, 2025 |
| D-LA | Cleo Fields | Original | Apr 10, 2025 |
| R-TN | David Kustoff | Original | Apr 10, 2025 |
| R-SD | Dusty Johnson | Original | Apr 10, 2025 |
| D-DC | Eleanor Holmes Norton | Original | Apr 10, 2025 |
| D-MO | Emanuel Cleaver | Original | Apr 10, 2025 |
| R-OK | Frank D. Lucas | Original | Apr 10, 2025 |
| D-RI | Gabe Amo | Original | Apr 10, 2025 |
| R-MI | Jack Bergman | Original | Apr 10, 2025 |
| D-CO | Joe Neguse | Original | Apr 10, 2025 |
| R-MI | John R. Moolenaar | Original | Apr 10, 2025 |
| D-CA | Julia Brownley | Original | Apr 10, 2025 |
| R-NV | Mark E. Amodei | Original | Apr 10, 2025 |
| R-MS | Michael Guest | Original | Apr 10, 2025 |
| D-NY | Ritchie Torres | Original | Apr 10, 2025 |
| R-VA | Robert J. Wittman | Original | Apr 10, 2025 |
| R-FL | Scott Franklin | Original | Apr 10, 2025 |
| R-OK | Stephanie I. Bice | Original | Apr 10, 2025 |
| D-NY | Thomas R. Suozzi | Original | Apr 10, 2025 |
| R-MS | Trent Kelly | Original | Apr 10, 2025 |
| R-SC | William R. Timmons IV | Original | Apr 10, 2025 |
| R-IA | Zachary Nunn | Original | Apr 10, 2025 |
| R-MI | Lisa C. McClain | Apr 14, 2025 | |
| D-GA | Nikema Williams | Apr 14, 2025 | |
| D-MS | Bennie G. Thompson | Apr 17, 2025 | |
| D-CO | Jason Crow | Apr 17, 2025 | |
| D-OH | Joyce Beatty | Apr 17, 2025 | |
| R-MS | Mike Ezell | Apr 21, 2025 | |
| D-IL | Bill Foster | Apr 28, 2025 | |
| D-CA | Brad Sherman | Apr 28, 2025 | |
| R-PA | Daniel Meuser | Apr 28, 2025 | |
| R-OK | Kevin Hern | Apr 28, 2025 | |
| R-NE | Mike Flood | Apr 28, 2025 | |
| R-TX | Monica De La Cruz | Apr 28, 2025 | |
| D-GA | Sanford D. Bishop, Jr. | Apr 28, 2025 | |
| R-FL | Vern Buchanan | Apr 28, 2025 | |
| D-IN | Frank J. Mrvan | Apr 29, 2025 | |
| R-WI | Glenn Grothman | Apr 29, 2025 | |
| R-FL | John H. Rutherford | Apr 29, 2025 | |
| R-MO | Mark Alford | Apr 29, 2025 | |
| R-FL | Daniel Webster | Apr 30, 2025 | |
| R-FL | Mike Haridopolos | Apr 30, 2025 | |
| R-NC | Tim Moore | Apr 30, 2025 | |
| D-HI | Ed Case | May 1, 2025 | |
| R-NE | Don Bacon | May 5, 2025 | |
| R-CA | Kevin Kiley | May 5, 2025 | |
| R-MI | Bill Huizenga | May 7, 2025 | |
| R-MN | Brad Finstad | May 7, 2025 | |
| R-FL | Byron Donalds | May 7, 2025 | |
| D-VA | Eugene Simon Vindman | May 7, 2025 | |
| D-ME | Jared F. Golden | May 7, 2025 | |
| R-IN | Marlin A. Stutzman | May 7, 2025 | |
| R-OH | Warren Davidson | May 7, 2025 | |
| R-KS | Tracey Mann | May 8, 2025 | |
| R-NY | Michael Lawler | May 13, 2025 | |
| R-TN | Tim Burchett | May 14, 2025 | |
| D-NJ | Josh Gottheimer | May 15, 2025 | |
| R-KS | Derek Schmidt | May 17, 2025 | |
| D-NY | Gregory W. Meeks | May 17, 2025 | |
| D-NY | Nydia M. Velázquez | May 17, 2025 | |
| D-DE | Sarah McBride | May 17, 2025 | |
| D-MA | Stephen F. Lynch | May 17, 2025 | |
| R-VA | Ben Cline | May 19, 2025 | |
| R-IL | Darin LaHood | May 20, 2025 | |
| R-FL | Anna Paulina Luna | May 21, 2025 | |
| R-TN | Charles J. "Chuck" Fleischmann | May 21, 2025 | |
| D-IL | Eric Sorensen | May 21, 2025 | |
| R-PA | Lloyd Smucker | May 21, 2025 | |
| R-MN | Michelle Fischbach | May 21, 2025 | |
| D-MN | Angie Craig | May 23, 2025 | |
| R-MI | Tom Barrett | May 29, 2025 | |
| R-MT | Troy Downing | May 29, 2025 | |
| D-GA | David Scott | Jun 4, 2025 | |
| D-NC | Deborah K. Ross | Jun 5, 2025 | |
| D-OR | Janelle S. Bynum | Jun 5, 2025 | |
| R-SC | Ralph Norman | Jun 5, 2025 | |
| R-TX | Pete Sessions | Jun 9, 2025 | |
| D-CA | Sam T. Liccardo | Jun 10, 2025 | |
| R-WI | Thomas P. Tiffany | Jun 12, 2025 | |
| R-VA | Jennifer A. Kiggans | Jun 17, 2025 | |
| R-TX | Michael Cloud | Jun 17, 2025 | |
| D-IL | Robin L. Kelly | Jun 17, 2025 | |
| R-IA | Ashley Hinson | Jun 20, 2025 | |
| D-IL | Bradley Scott Schneider | Jun 20, 2025 |
Committees 1
Where it was sent and what each committee and subcommittee did with it, in order.
| Chamber | Committee | What it did |
|---|---|---|
| House | Financial Services Committee | Referred Apr 10, 2025Markup Jun 10, 2025Reported Jun 20, 2025 |
Actions 17
Everything that happened, newest first.
- Sep 5, 2025Signed by President.
- Sep 5, 2025Became Public Law No: 119-36.
- Aug 25, 2025Presented to President.
- Aug 8, 2025Message on Senate action sent to the House.
- Aug 2, 2025Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522)
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 S5522 | John Thune R-SD | Aug 2, 2025 |
| House | Debate and remarks H2876, H2877Text printed H2876 | Brad Sherman D-CA, John W. Rose R-TN | Jun 23, 2025 |
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.
Committee report
Constitutional authority
The sponsor’s statement, as printed in the Congressional Record, vol. 171, no. 65, April 10, 2025, page H1600.
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 |
|---|---|---|---|
| Serial No. 119-16 | REGULATORY OVERREACH: THE PRICE TAG ON AMERICAN PROSPERITY211 pages | Financial Services Committee | Apr 29, 2025 |
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 |
|---|---|---|---|
| R48743 | Housing Issues in the 119th Congress | Report | Sep 25, 2026 |
Related bills 1
Companion bills and other measures the record links to this one.
| Bill | Title | Relationship | Latest action |
|---|---|---|---|
| S 1467 | Homebuyers Privacy Protection Act | Public law contains the text | Jun 17, 2025 |
Titles 7
Every title it has carried, official and short, at each stage.
- Official Title as Introduced
- 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 Reported to House
- Homebuyers Privacy Protection Act
- Short Title(s) as Passed House
- Homebuyers Privacy Protection Act
- Short Titles from ENR (Enrolled) bill text
- Homebuyers Privacy Protection Act
- Short Title(s) from PCS (Placed on Senate Calendar) bill text
- Homebuyers Privacy Protection Act
- Official Title from EH (Engrossed in House) bill text
- To amend the Fair Credit Reporting Act to prevent consumer reporting agencies from furnishing consumer reports under certain circumstances, and for other purposes.
Subjects
Assigned by the Library of Congress. Policy area: Finance and Financial Sector.
Text 5
Each version as it was printed, newest first.
- —Enrolled Bill
- Jun 24, 2025Placed on Calendar Senate
- Jun 23, 2025Engrossed in House
- Jun 20, 2025Reported in House
- Apr 10, 2025Introduced in House
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.
