HR 2808

Summary

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.

Bill status

Status

Became law

Sponsor

Rep. John W. Rose [R-TN-6]

Cosponsors

89

Policy area

Finance and Financial Sector

Introduced

2025-04-10

Latest action

2025-09-05: Became Public Law No: 119-36.

Committee referrals

• Financial Services Committee: House · Reported By · 2025-06-20
• Financial Services Committee: House · Markup By · 2025-06-10
• Financial Services Committee: House · Referred To · 2025-04-10

Recent actions

• 2025-09-05: Became Public Law No: 119-36.
• 2025-09-05: Became Public Law No: 119-36.
• 2025-09-05: Signed by President.
• 2025-09-05: Signed by President.
• 2025-08-25: Presented to President.