Homebuyers Privacy Protection Act
Introduced Apr 10, 2025 by Rep. John W. Rose
Signed into law.
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.
Summary by the Congressional Research Service.
No recorded roll-call vote on this bill — it may have passed by voice vote or unanimous consent, which don't record individual votes.
- Sep 5, 2025Became Public Law No: 119-36.
- Sep 5, 2025Signed by President.
- Aug 25, 2025Presented to President.
- Aug 8, 2025Message on Senate action sent to the House.
- Aug 2, 2025Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522)
- Aug 2, 2025Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.
- Jun 24, 2025Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104.
- Jun 23, 2025Motion to reconsider laid on the table Agreed to without objection.
- Jun 23, 2025On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)
- Jun 23, 2025Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)
- Jun 23, 2025DEBATE - The House proceeded with forty minutes of debate on H.R. 2808.
- Jun 23, 2025Considered under suspension of the rules. (consideration: CR H2876-2877)
- Jun 23, 2025Mr. Rose moved to suspend the rules and pass the bill, as amended.
- Jun 20, 2025Placed on the Union Calendar, Calendar No. 133.
- Jun 20, 2025Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.
- Jun 10, 2025Ordered to be Reported (Amended) by the Yeas and Nays: 46 - 0.
- Jun 10, 2025Committee Consideration and Mark-up Session Held
- Apr 10, 2025Referred to the House Committee on Financial Services.
- Apr 10, 2025Introduced in House