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Homebuyers Privacy Protection Act

S. 1467 Sen. John Reed (D-RI) Passed Senate
Bill text PDF
  1. Introduced Apr 10
  2. Committee Apr 10
  3. Passed Senate Jun 12
  4. Passed House Next
  5. To President Not yet
  6. Law Not yet
Where it stands
Passed Senate, Jun 12, 2025Next: House vote
498d ago Jun 17, 2025: Held at the desk.
Final votes
No roll callsNo recorded vote on this bill yet
Lobbying
2companies, 3 filings
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1trades in the last 90 days
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Summary

Homebuyers Privacy Protection Act

Full summary3 paragraphs

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.

Library of Congress summary, Jun 12, 2025

Summary versions
  • Passed SenateJun 12, 2025

Official record from Congress.gov, the House Clerk and the Senate; lobbying from Lobbying Disclosure Act filings. Updated Oct 28, 2026.