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; 35 are original cosponsors, there from 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 |
| D-PA | John Fetterman | Original | Apr 10, 2025 |
| D-CO | John W. Hickenlooper | Original | Apr 10, 2025 |
| R-AL | Katie Boyd Britt | Original | Apr 10, 2025 |
| R-ND | Kevin Cramer | Original | Apr 10, 2025 |
| D-AZ | Mark Kelly | Original | Apr 10, 2025 |
| D-CO | Michael F. Bennet | Original | Apr 10, 2025 |
| R-ID | Mike Crapo | Original | Apr 10, 2025 |
| R-SD | Mike Rounds | Original | Apr 10, 2025 |
| R-NE | Pete Ricketts | Original | Apr 10, 2025 |
| D-VT | Peter Welch | Original | Apr 10, 2025 |
| D-CT | Richard Blumenthal | Original | Apr 10, 2025 |
| D-OR | Ron Wyden | Original | Apr 10, 2025 |
| D-AZ | Ruben Gallego | Original | Apr 10, 2025 |
| D-RI | Sheldon Whitehouse | Original | Apr 10, 2025 |
| R-WV | Shelley Moore Capito | Original | Apr 10, 2025 |
| D-WI | Tammy Baldwin | Original | Apr 10, 2025 |
| R-NC | Thom Tillis | Original | Apr 10, 2025 |
| D-VA | Tim Kaine | Original | Apr 10, 2025 |
| D-MN | Tina Smith | Original | Apr 10, 2025 |
| R-AL | Tommy Tuberville | Original | Apr 10, 2025 |
| D-NM | Martin Heinrich | Apr 29, 2025 | |
| R-MS | Roger F. Wicker | May 1, 2025 | |
| R-OH | Bernie Moreno | May 5, 2025 | |
| R-IN | Jim Banks | May 14, 2025 | |
| R-LA | Bill Cassidy | May 15, 2025 | |
| R-ND | John Hoeven | May 20, 2025 | |
| R-ME | Susan M. Collins | May 20, 2025 | |
| R-AK | Dan Sullivan | May 21, 2025 | |
| R-FL | Rick Scott | Jun 5, 2025 | |
| D-IL | Richard J. Durbin | Jun 26, 2025 |
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 Apr 10, 2025Discharged Jun 12, 2025 |
Actions 7
Everything that happened, newest first.
- Jun 17, 2025Received in the House.
- Jun 17, 2025Held at the desk.
- Jun 12, 2025Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.
- Jun 12, 2025Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent. (consideration: CR S3395-3396)
- Jun 12, 2025Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)
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 S3395Text printed S3395 | John Thune R-SD | Jun 12, 2025 |
| Senate | Debate and remarks S2567 | Jack Reed D-RI | Apr 10, 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.
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. 119-150 | PROTECTING FLORIDA'S SENIORS: FIGHTING FRAUD AND FINANCIAL EXPLOITATION49 pages | Aging (Special) Committee | Aug 7, 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 |
|---|---|---|---|
| HR 2808 | Homebuyers Privacy Protection Act | Contained in public law | Sep 5, 2025 |
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.
- 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; cost estimates are the Congressional Budget Office's, and the hearings are the printed hearings GovInfo publishes, which can appear months after the hearing.
