HR 2808 119th Congress House Finance and Financial Sector Consumer credit Financial services and investments Housing finance and home ownership Real estate business Right of privacy

Homebuyers Privacy Protection Act

Introduced: April 10, 2025 Introduced by: Rose, John W. Republican · Tennessee See on congress.gov

Everywhere this bill has been 19 steps

Introduced

In committee

Reported out

Passed House

Passed Senate

To President

Became law

Sep 5, 2025

Became Public Law No: 119-36.

Sep 5, 2025

Signed by President.

Aug 25, 2025

Presented to President.

Aug 8, 2025

Message on Senate action sent to the House.

Aug 2, 2025

Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522)

Aug 2, 2025

Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.

Jun 24, 2025

Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104.

Jun 23, 2025

Motion to reconsider laid on the table Agreed to without objection.

Jun 23, 2025

On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)

Jun 23, 2025

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

DEBATE - The House proceeded with forty minutes of debate on H.R. 2808.

Jun 23, 2025

Considered under suspension of the rules. (consideration: CR H2876-2877)

Jun 23, 2025

Mr. Rose moved to suspend the rules and pass the bill, as amended.

Jun 20, 2025

Placed on the Union Calendar, Calendar No. 133.

Jun 20, 2025

Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.

Jun 10, 2025

Ordered to be Reported (Amended) by the Yeas and Nays: 46 - 0.

Jun 10, 2025

Committee Consideration and Mark-up Session Held

Apr 10, 2025

Referred to the House Committee on Financial Services.

Apr 10, 2025

Introduced in House

Plain-English summary Congressional Research Service

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.

What's happening now September 5, 2025

Became Public Law No: 119-36.

Cosponsors 88