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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.

Measure
H.R. 2808 · 119th Congress
Latest action
September 5, 2025
Policy changes
3
Source
CRS summary (Public Law) · Congress.gov

Became Public Law No: 119-36.

Read it yourself · The summaries below are the Congressional Research Service’s. Under each one you can open the bill’s own wording, or read the full text (enrolled (sent to the President)).

What it would cost

Congressional Budget Office estimate

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Dollar amounts in the bill itself

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Who wrote it

Portrait of John W. Rose

Sponsor

Rep. John W. Rose (R-TN-6)

Joined by 89 cosponsors, 27 of them from the day it was introduced. Introduced April 10, 2025.

All 89 cosponsors

How Congress voted

No recorded vote: this bill moved by voice vote or unanimous consent, so there is no record of how individual members voted.

Your delegation

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In their own words

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What it changes — and your vote

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Provision 1

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.

›Read the bill’s wording · Sec. 2(closest match)

The summary doesn’t name a section, so these are the sections whose wording matches it most closely.

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Provision 2

These provisions take effect 180 days after enactment.

›Read the bill’s wording · Sec. 3(closest match)

The summary doesn’t name a section, so these are the sections whose wording matches it most closely.

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Provision 3

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.

›Read the bill’s wording · Sec. 2, Sec. 4(closest match)

The summary doesn’t name a section, so these are the sections whose wording matches it most closely.

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