Rollout Map
Sign Up
H.R. 2808 House Finance and Financial Sector

Homebuyers Privacy Protection Act

Introduced
Apr 10, 2025
Sponsor
Rep. Rose, John W. (R-TN-6)
View on Congress.gov

BECAME LAW SEP 5, 2025

Became Law on Sep 5, 2025.

  1. House Introduced in House Apr 10, 2025
  2. House Referred to the House Committee on Financial Services. Apr 10, 2025
  3. House Committee Consideration and Mark-up Session Held Jun 10, 2025
  4. House Ordered to be Reported (Amended) by the Yeas and Nays: 46 - 0. Jun 10, 2025
  5. House Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166. Jun 20, 2025
  6. House Placed on the Union Calendar, Calendar No. 133. Jun 20, 2025
  7. House Mr. Rose moved to suspend the rules and pass the bill, as amended. Jun 23, 2025
  8. House Considered under suspension of the rules. (consideration: CR H2876-2877) Jun 23, 2025
  9. House DEBATE - The House proceeded with forty minutes of debate on H.R. 2808. Jun 23, 2025
  10. House Passed/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, 2025
  11. House On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876) Jun 23, 2025
  12. House Motion to reconsider laid on the table Agreed to without objection. Jun 23, 2025
  13. Senate Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104. Jun 24, 2025
  14. House Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent. Aug 2, 2025
  15. Senate Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522) Aug 2, 2025
  16. Senate Message on Senate action sent to the House. Aug 8, 2025
  17. House
    Presented to President. Aug 25, 2025
  18. House
    Signed by President. Sep 5, 2025
  19. House Latest action
    Became Public Law No: 119-36. Sep 5, 2025

Cosponsors

89

Subjects

Consumer creditFinancial services and investmentsHousing finance and home ownershipReal estate businessRight of privacy

Committees

  • Financial Services Committee
    • Reported By , Jun 20, 2025
    • Markup By , Jun 10, 2025
    • Referred To , Apr 10, 2025

Summary

Homebuyers Privacy Protection ActThis 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 as of: Public Law

Bill Text

Formatted Text PDF United States Legislative Markup Formatted XML

Related Bills

Comments · 0

Loading comments...