Homebuyers Privacy Protection Act
Latest action · Jun 17, 2025 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.
- IntroducedApr 10, 2025
- Passed SenateJun 12, 2025
- Passed HouseNot reached
- To the PresidentNot reached
- Became lawNot reached
Summary
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.
Cosponsors 45
Members who signed on, in the order they did. Signatures ran from Apr 10, 2025 to Jun 26, 2025, with 35 there on the day it was introduced.
| Seat | Cosponsor | Signed on | |
|---|---|---|---|
| D-MN | Amy Klobuchar | Original | Apr 10, 2025 |
| D-MD | Angela D. Alsobrooks | Original | Apr 10, 2025 |
| I-ME | Angus S. King Jr. | Original | Apr 10, 2025 |
| R-TN | Bill Hagerty | Original | Apr 10, 2025 |
| D-HI | Brian Schatz | Original | Apr 10, 2025 |
| D-NV | Catherine Cortez Masto | Original | Apr 10, 2025 |
| D-MD | Chris Van Hollen | Original | Apr 10, 2025 |
| R-MS | Cindy Hyde-Smith | Original | Apr 10, 2025 |
| R-NE | Deb Fischer | Original | Apr 10, 2025 |
| D-MA | Edward J. Markey | Original | Apr 10, 2025 |
| D-MI | Gary C. Peters | Original | Apr 10, 2025 |
| D-NV | Jacky Rosen | Original | Apr 10, 2025 |
| R-ID | James E. Risch | Original | Apr 10, 2025 |
| D-NH | Jeanne Shaheen | Original | Apr 10, 2025 |
| D-OR | Jeff Merkley | Original | Apr 10, 2025 |
Actions 9
Everything that happened, newest first.
- Jun 17, 2025Held at the desk.
- Jun 17, 2025Received in the House.
- Jun 12, 2025Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)
- Jun 12, 2025Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)
- Jun 12, 2025Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.
Related bills 2
Companion bills and other measures the record links to this one.
| Bill | Title | Relationship | Latest action |
|---|---|---|---|
| HR 2808 | Homebuyers Privacy Protection Act | Contained in public law | Sep 5, 2025 |
| HR 2808 | Homebuyers Privacy Protection Act | Identical bill | Sep 5, 2025 |
Subjects
Assigned by the Library of Congress. Policy area: Finance and Financial Sector.
Text 2
Each version as it was printed, newest first.
- Jun 12, 2025Engrossed in Senate
- Apr 10, 2025Introduced 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.
