{"bill":{"id":"118-hr-7297","congress":118,"type":"HR","number":7297,"title":"Homebuyers Privacy Protection Act","originChamber":"House","introducedDate":"2024-02-07","sponsors":[{"bioguideId":"R000612","fullName":"Rep. Rose, John W. [R-TN-6]","party":"R","state":"TN","district":6}],"cosponsorsCount":93,"latestAction":{"actionDate":"2024-02-07","text":"Referred to the House Committee on Financial Services."},"policyArea":"Finance and Financial Sector","subjects":["Consumer credit","Financial services and investments","Housing finance and home ownership","Real estate business","Right of privacy"],"actions":[{"date":"2024-02-07","text":"Referred to the House Committee on Financial Services.","type":"IntroReferral","chamber":"House floor actions","hasVote":false},{"date":"2024-02-07","text":"Introduced in House","type":"IntroReferral","chamber":"Library of Congress","hasVote":false},{"date":"2024-02-07","text":"Introduced in House","type":"IntroReferral","chamber":"Library of Congress","hasVote":false}],"summary":"<p><strong>Homebuyers Privacy Protection Act</strong></p><p>This bill prohibits a credit reporting agency from providing a consumer's credit report to a third party in connection with a residential mortgage transaction unless (1) the third party provides documentation certifying that it has the consumer's consent; or (2) the third party has originated the mortgage, is the current loan servicer, or has a current specified banking relationship with the consumer.</p>","updateDate":"2025-12-05T08:32:13Z"},"markets":[],"stateBills":[],"meta":{"sources":["congress.gov"],"latencyMs":357,"ts":"2026-04-15T06:52:09.117Z"},"nextActions":{"inspect":[],"related":[{"description":"Search related legislation","method":"GET","url":"/api/public/query-gov?q=Homebuyers%20Privacy%20Protection%20Act"}]}}