H.R. 2808 Became law · Public Law 119-36 Finance and Financial Sector

Homebuyers Privacy Protection Act

To amend the Fair Credit Reporting Act to prevent consumer reporting agencies from furnishing consumer reports under certain circumstances, and for other purposes.

  1. Introduced
  2. Committee
  3. Passed House
  4. Passed Senate
  5. To President
  6. Became law
Sponsor Rep. Rose, John W. [R-TN-6] Introduced April 10, 2025 Cosponsors 89 (33 D, 55 R, 1 I) Latest action September 5, 2025

Summary

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.

Summary by the Congressional Research Service, Library of Congress.

Congress.gov

Actions

  1. Sep 5, 2025 Became Public Law No: 119-36.
  2. Sep 5, 2025 Signed by President.
  3. Aug 25, 2025 Presented to President.
  4. Aug 8, 2025 Message on Senate action sent to the House.
  5. Aug 2, 2025 Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522)
  6. Aug 2, 2025 Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.
  7. Jun 24, 2025 Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104.
  8. Jun 23, 2025 Motion to reconsider laid on the table Agreed to without objection.
  9. Jun 23, 2025 On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)
  10. Jun 23, 2025 DEBATE - The House proceeded with forty minutes of debate on H.R. 2808.
  11. Jun 23, 2025 Considered under suspension of the rules. (consideration: CR H2876-2877)
  12. Jun 23, 2025 Mr. Rose moved to suspend the rules and pass the bill, as amended.

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