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LEGISLATION/H.R. 2808

Homebuyers Privacy Protection Act

119-HR-2808119th CongressIntroduced Apr 10, 2025Finance and Financial Sector
Market Probability
No market
Status
Introduced
Committee
Floor Vote
Other Chamber
Signed
Became Public Law No: 119-36.

Sponsor

Rep. Rose, John W. [R-TN-6](R-TN-6)
89 cosponsors

Summary

Homebuyers Privacy Protection Act

This bill limits the circumstances in which credit reporting agencies may provide consumer credit reports to third parties in connection with residential mortgage transactions. 

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 (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 the bill's enactment.

Subjects

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

Actions (24)

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