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HOUSE 2808119th CongressBecame Public Law No: 119-36.

Homebuyers Privacy Protection Act

Last Action
9/5/2025

Actions

  • 2025-09-05Became Public Law No: 119-36.
  • 2025-09-05Became Public Law No: 119-36.
  • 2025-09-05Signed by President.
  • 2025-09-05Signed by President.
  • 2025-08-25Presented to President.
  • 2025-08-25Presented to President.
  • 2025-08-08Message on Senate action sent to the House.
  • 2025-08-02Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522)
  • 2025-08-02Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.
  • 2025-06-24Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104.
  • 2025-06-23Motion to reconsider laid on the table Agreed to without objection.
  • 2025-06-23On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)
  • 2025-06-23Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)
  • 2025-06-23DEBATE - The House proceeded with forty minutes of debate on H.R. 2808.
  • 2025-06-23Considered under suspension of the rules. (consideration: CR H2876-2877)

Showing 15 of 20 actions. Full history on Congress.gov.

CRS Summary

As of 2025-09-05 (49)

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 (20)

  • Ritchie Torres (D-NY)
  • Andrew Garbarino (R-NY)
  • Zachary Nunn (R-IA)
  • Mark Amodei (R-NV)
  • Gabe Amo (D-RI)
  • Joe Neguse (D-CO)
  • Eleanor Norton (D-DC)
  • Andrew Ogles (R-TN)
  • Bryan Steil (R-WI)
  • Robert Wittman (R-VA)
  • Frank Lucas (R-OK)
  • Dusty Johnson (R-SD)
  • William Timmons (R-SC)
  • Jack Bergman (R-MI)
  • Julia Brownley (D-CA)
  • Thomas Suozzi (D-NY)
  • John Moolenaar (R-MI)
  • Emanuel Cleaver (D-MO)
  • Stephanie Bice (R-OK)
  • CLEO FIELDS (D-LA)

Subjects

  • Consumer credit
  • Financial services and investments
  • Housing finance and home ownership
  • Real estate business
  • Right of privacy

Became law: Pub. L. 119-36

Read on Congress.gov

Sourced from Congress.gov (public domain).

This is legal information, not legal advice. Laws vary by jurisdiction and change frequently. Always verify current law with official sources and consult a licensed attorney in your jurisdiction for advice on your specific situation.