SecBot SecBot

Homebuyers Privacy Protection Act

H.R. 2808 Public Law 119-36 Rep. John Rose (R-TN-6) Became law
Law text PDF
  1. Introduced Apr 10
  2. Committee Apr 10
  3. Passed House Jun 23
  4. Passed Senate Aug 2
  5. To President Aug 25
  6. Law Sep 5
Where it stands
Law since Sep 5, 2025Introduced Apr 10, 2025, law 148 days later
418d ago Sep 5, 2025: Became Public Law No: 119-36.
Final votes
No roll callsNo recorded vote on this bill yet
Lobbying
2companies, 3 filings
Subscribe to see spend
Member trades
1trades in the last 90 days
Subscribe to see who
Who backs the bill and who pushes back Subscribe

Companies lobbying on this bill

2 companies
Companies by sector
Services 2
Search all 2 companies, their asks and price moves Subscribe

Summary

Homebuyers Privacy Protection Act

Full summary4 paragraphs

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.

Library of Congress summary, Sep 5, 2025

Summary versions
  • Public LawSep 5, 2025
  • Introduced in HouseApr 10, 2025

Official record from Congress.gov, the House Clerk and the Senate; lobbying from Lobbying Disclosure Act filings. Updated Oct 27, 2026.