Signed into law
Homebuyers Privacy Protection Act
This act limits the circumstances in which credit reporting agencies may provide consumer credit reports to third parties in connection with residential mortgage transactions.
- Measure
- H.R. 2808 · 119th Congress
- Latest action
- September 5, 2025
- Policy changes
- 3
- Source
- CRS summary (Public Law) · Congress.gov
Became Public Law No: 119-36.
Who wrote it
Sponsor
Rep. John W. Rose (R-TN-6)Joined by 89 cosponsors, 27 of them from the day it was introduced. Introduced April 10, 2025.
All 89 cosponsors
- Rep. Gabe Amo (D-RI-1) · original
- Rep. Mark E. Amodei (R-NV-2) · original
- Rep. Jack Bergman (R-MI-1) · original
- Rep. Stephanie I. Bice (R-OK-5) · original
- Rep. Julia Brownley (D-CA-26) · original
- Rep. Emanuel Cleaver (D-MO-5) · original
- Rep. Cleo Fields (D-LA-6) · original
- Rep. Brian K. Fitzpatrick (R-PA-1) · original
- Rep. Scott Franklin (R-FL-18) · original
- Rep. Andrew R. Garbarino (R-NY-2) · original
- Rep. Michael Guest (R-MS-3) · original
- Rep. Dusty Johnson (R-SD-AL) · original
- Rep. Trent Kelly (R-MS-1) · original
- Rep. David Kustoff (R-TN-8) · original
- Rep. Frank D. Lucas (R-OK-3) · original
- Rep. John R. Moolenaar (R-MI-2) · original
- Rep. Joe Neguse (D-CO-2) · original
- Rep. Eleanor Holmes Norton (D-DC-AL) · original
- Rep. Zachary Nunn (R-IA-3) · original
- Rep. Andrew Ogles (R-TN-5) · original
- Rep. Brittany Pettersen (D-CO-7) · original
- Rep. Adrian Smith (R-NE-3) · original
- Rep. Bryan Steil (R-WI-1) · original
- Rep. Thomas R. Suozzi (D-NY-3) · original
- Rep. William R. Timmons IV (R-SC-4) · original
- Rep. Ritchie Torres (D-NY-15) · original
- Rep. Robert J. Wittman (R-VA-1) · original
- Rep. Lisa C. McClain (R-MI-9)
- Rep. Nikema Williams (D-GA-5)
- Rep. Joyce Beatty (D-OH-3)
- Rep. Jason Crow (D-CO-6)
- Rep. Bennie G. Thompson (D-MS-2)
- Rep. Mike Ezell (R-MS-4)
- Rep. Sanford D. Bishop, Jr. (D-GA-2)
- Rep. Vern Buchanan (R-FL-16)
- Rep. Monica De La Cruz (R-TX-15)
- Rep. Mike Flood (R-NE-1)
- Rep. Bill Foster (D-IL-11)
- Rep. Kevin Hern (R-OK-1)
- Rep. Daniel Meuser (R-PA-9)
- Rep. Brad Sherman (D-CA-32)
- Rep. Mark Alford (R-MO-4)
- Rep. Glenn Grothman (R-WI-6)
- Rep. Frank J. Mrvan (D-IN-1)
- Rep. John H. Rutherford (R-FL-5)
- Rep. Mike Haridopolos (R-FL-8)
- Rep. Tim Moore (R-NC-14)
- Rep. Daniel Webster (R-FL-11)
- Rep. Ed Case (D-HI-1)
- Rep. Don Bacon (R-NE-2)
- Rep. Kevin Kiley (I-CA-3)
- Rep. Warren Davidson (R-OH-8)
- Rep. Byron Donalds (R-FL-19)
- Rep. Brad Finstad (R-MN-1)
- Rep. Jared F. Golden (D-ME-2)
- Rep. Bill Huizenga (R-MI-4)
- Rep. Marlin A. Stutzman (R-IN-3)
- Rep. Eugene Simon Vindman (D-VA-7)
- Rep. Tracey Mann (R-KS-1)
- Rep. Michael Lawler (R-NY-17)
- Rep. Tim Burchett (R-TN-2)
- Rep. Josh Gottheimer (D-NJ-5)
- Rep. Stephen F. Lynch (D-MA-8)
- Rep. Sarah McBride (D-DE-AL)
- Rep. Gregory W. Meeks (D-NY-5)
- Rep. Derek Schmidt (R-KS-2)
- Rep. Nydia M. Velázquez (D-NY-7)
- Rep. Ben Cline (R-VA-6)
- Rep. Darin LaHood (R-IL-16)
- Rep. Michelle Fischbach (R-MN-7)
- Rep. Charles J. "Chuck" Fleischmann (R-TN-3)
- Rep. Anna Paulina Luna (R-FL-13)
- Rep. Lloyd Smucker (R-PA-11)
- Rep. Eric Sorensen (D-IL-17)
- Rep. Angie Craig (D-MN-2)
- Rep. Tom Barrett (R-MI-7)
- Rep. Troy Downing (R-MT-2)
- Rep. Scott, David (D-GA-AL)
- Rep. Janelle S. Bynum (D-OR-5)
- Rep. Ralph Norman (R-SC-5)
- Rep. Deborah K. Ross (D-NC-2)
- Rep. Pete Sessions (R-TX-17)
- Rep. Sam T. Liccardo (D-CA-16)
- Rep. Thomas P. Tiffany (R-WI-7)
- Rep. Michael Cloud (R-TX-27)
- Rep. Robin L. Kelly (D-IL-2)
- Rep. Jennifer A. Kiggans (R-VA-2)
- Rep. Ashley Hinson (R-IA-2)
- Rep. Bradley Scott Schneider (D-IL-10)
How Congress voted
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What it changes — and your vote
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Provision 1
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.
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Provision 2
These provisions take effect 180 days after enactment.
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Provision 3
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.
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