{"bill":{"id":"119-hr-2808","congress":119,"type":"HR","number":2808,"title":"Homebuyers Privacy Protection Act","originChamber":"House","introducedDate":"2025-04-10","sponsors":[{"bioguideId":"R000612","fullName":"Rep. Rose, John W. [R-TN-6]","party":"R","state":"TN","district":6}],"cosponsorsCount":89,"latestAction":{"actionDate":"2025-09-05","text":"Became Public Law No: 119-36."},"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":"2025-09-05","text":"Became Public Law No: 119-36.","type":"President","chamber":"Library of Congress","hasVote":false},{"date":"2025-09-05","text":"Became Public Law No: 119-36.","type":"BecameLaw","chamber":"Library of Congress","hasVote":false},{"date":"2025-09-05","text":"Signed by President.","type":"President","chamber":"Library of Congress","hasVote":false},{"date":"2025-09-05","text":"Signed by President.","type":"BecameLaw","chamber":"Library of Congress","hasVote":false},{"date":"2025-08-25","text":"Presented to President.","type":"Floor","chamber":"House floor actions","hasVote":false},{"date":"2025-08-25","text":"Presented to President.","type":"President","chamber":"Library of Congress","hasVote":false},{"date":"2025-08-08","text":"Message on Senate action sent to the House.","type":"Floor","chamber":"Senate","hasVote":false},{"date":"2025-08-02","text":"Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522)","type":"Floor","chamber":"Senate","hasVote":false},{"date":"2025-08-02","text":"Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.","type":"Floor","chamber":"Library of Congress","hasVote":false},{"date":"2025-06-24","text":"Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104.","type":"Calendars","chamber":"Senate","hasVote":false},{"date":"2025-06-23","text":"Motion to reconsider laid on the table Agreed to without objection.","type":"Floor","chamber":"House floor actions","hasVote":false},{"date":"2025-06-23","text":"On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)","type":"Floor","chamber":"House floor actions","hasVote":false},{"date":"2025-06-23","text":"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)","type":"Floor","chamber":"Library of Congress","hasVote":false},{"date":"2025-06-23","text":"DEBATE - The House proceeded with forty minutes of debate on H.R. 2808.","type":"Floor","chamber":"House floor actions","hasVote":false},{"date":"2025-06-23","text":"Considered under suspension of the rules. (consideration: CR H2876-2877)","type":"Floor","chamber":"House floor actions","hasVote":false},{"date":"2025-06-23","text":"Mr. Rose moved to suspend the rules and pass the bill, as amended.","type":"Floor","chamber":"House floor actions","hasVote":false},{"date":"2025-06-20","text":"Placed on the Union Calendar, Calendar No. 133.","type":"Calendars","chamber":"House floor actions","hasVote":false},{"date":"2025-06-20","text":"Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.","type":"Committee","chamber":"House floor actions","hasVote":false},{"date":"2025-06-20","text":"Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.","type":"Committee","chamber":"Library of Congress","hasVote":false},{"date":"2025-06-10","text":"Ordered to be Reported (Amended) by the Yeas and Nays: 46 - 0.","type":"Committee","chamber":"House committee actions","hasVote":false},{"date":"2025-06-10","text":"Committee Consideration and Mark-up Session Held","type":"Committee","chamber":"House committee actions","hasVote":false},{"date":"2025-04-10","text":"Referred to the House Committee on Financial Services.","type":"IntroReferral","chamber":"House floor actions","hasVote":false},{"date":"2025-04-10","text":"Introduced in House","type":"IntroReferral","chamber":"Library of Congress","hasVote":false},{"date":"2025-04-10","text":"Introduced in House","type":"IntroReferral","chamber":"Library of Congress","hasVote":false}],"summary":"<p><strong>Homebuyers Privacy Protection Act</strong></p><p>This bill limits the circumstances in which credit reporting agencies may provide consumer credit reports to third parties in connection with residential mortgage transactions.&nbsp;</p><p>Specifically, the 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 the transaction consists of a firm offer of credit or insurance and&nbsp;(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&nbsp;servicer to the consumer, or has a current specified banking relationship with the consumer.</p><p>These provisions take effect 180 days after the bill's enactment.</p>","updateDate":"2025-11-30T06:27:10Z"},"markets":[],"stateBills":[],"meta":{"sources":["congress.gov"],"latencyMs":802,"ts":"2026-04-15T08:19:54.278Z"},"nextActions":{"inspect":[],"related":[{"description":"Search related legislation","method":"GET","url":"/api/public/query-gov?q=Homebuyers%20Privacy%20Protection%20Act"}]}}