Homebuyers Privacy Protection Act
The summary
What this bill does
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.
Legislative timeline
From introduction
Apr 10, 2025
Introduced & referred to committee
Congressional support
Sponsors & Cosponsors
U.S. Representative - TN District 6 · R-TN
89 cosponsors
Member of Congress · D-NY
U.S. Representative - NY District 2 · R-NY
U.S. Representative - IA District 3 · R-IA
U.S. Representative - NV District 2 · R-NV
U.S. Representative - RI District 1 · D-RI
U.S. Representative - CO District 2 · D-CO
U.S. Representative - DC · D-DC
U.S. Representative - TN District 5 · R-TN
U.S. Representative - WI District 1 · D-NJ
U.S. Representative - VA District 1 · R-VA
U.S. Representative - OK District 3 · R-OK
U.S. Representative - SD · R-SD
+ 77 more cosponsors
Roll-call vote
The vote, by member
The vote, by member
VERSION CHANGES
What changed,
and where.
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Bill Metadata
| Congress | 119 |
| Bill Type | HR |
| Bill Number | 2808 |
| Origin Chamber | House |
| Current Status | Became Public Law No: 119-36. |
| Policy Area | Finance and Financial Sector |
| Primary Committee | Not assigned |
| Introduced | April 10, 2025 |
| Latest Action | September 5, 2025 |
| Cosponsors | 89 · House vote — · — views |