Federal · 119th Congress · House bill
H.R. 2808: Homebuyers Privacy Protection Act
Became law Public Law 119-36 Official data
- Introduced
- Reported by committee
- Passed one chamber
- Passed both chambers
- Sent to President
- Became law
Last official action: · Record last updated:
Official summary
Written by the Congressional Research Service (CRS), Library of Congress for the version “Public Law”, September 5, 2025. Reproduced verbatim.
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.
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.
These provisions take effect 180 days after enactment.
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.
Official actions
- Became Public Law No: 119-36.
- Signed by President.
- Presented to President.
- Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.
- 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)
- Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.
- Introduced in House