houseStanding
Financial Services Committee
- Referred To
- Markup By
- Reported By
← Back to federal legislation0 ratings0 comments
H.R. 2808Became law
Homebuyers Privacy Protection Act
Introduced: Apr 10, 2025
Latest action date: Sep 5, 2025
Latest development
Became Public Law No: 119-36.
Civixly approval
No ratings yet
Not enough ratings yet. Public approval appears at 5+ ratings.
Your view
- Congress
- 119th Congress
- Introduced
- Apr 10, 2025
- Recorded roll calls
- 0
Status detail: Congress.gov records that the measure became law.
Plain-language overview
What this bill does
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 summary from Congress.gov.
Civixly topics
What this legislation is about
Civixly topics make federal and state legislation comparable. They are derived from the official CRS policy area and legislative subjects.
Official CRS policy area
Finance and Financial Sector
View 5 official legislative subjects
Consumer creditFinancial services and investmentsHousing finance and home ownershipReal estate businessRight of privacy
Committee activity
Committees and subcommittees that received, reviewed, marked up, or reported this legislation.
Official committee record ↗
Amendments
Proposed changes to this measure, with their latest official outcome or action from Congress.gov.
No amendments are listed for this measure.
Checked against Congress.gov Oct 2, 2026.
Action timeline
Newest action first. Action language comes from the official Congress.gov record.
View full action timeline24 actions
Became Public Law No: 119-36.
PresidentLibrary of CongressBecame Public Law No: 119-36.
BecameLawLibrary of CongressSigned by President.
PresidentLibrary of CongressSigned by President.
BecameLawLibrary of CongressPresented to President.
FloorHouse floor actionsPresented to President.
PresidentLibrary of CongressMessage on Senate action sent to the House.
FloorSenatePassed Senate without amendment by Unanimous Consent. (consideration: CR S5522)
FloorSenatePassed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.
FloorLibrary of CongressReceived in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104.
CalendarsSenateMotion to reconsider laid on the table Agreed to without objection.
FloorHouse floor actionsPassed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)
FloorLibrary of CongressOn motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)
FloorHouse floor actionsDEBATE - The House proceeded with forty minutes of debate on H.R. 2808.
FloorHouse floor actionsConsidered under suspension of the rules. (consideration: CR H2876-2877)
FloorHouse floor actionsMr. Rose moved to suspend the rules and pass the bill, as amended.
FloorHouse floor actionsPlaced on the Union Calendar, Calendar No. 133.
CalendarsHouse floor actionsReported (Amended) by the Committee on Financial Services. H. Rept. 119-166.
CommitteeHouse floor actionsReported (Amended) by the Committee on Financial Services. H. Rept. 119-166.
CommitteeLibrary of CongressOrdered to be Reported (Amended) by the Yeas and Nays: 46 - 0.
CommitteeHouse committee actionsCommittee Consideration and Mark-up Session Held
CommitteeHouse committee actionsIntroduced in House
IntroReferralLibrary of CongressReferred to the House Committee on Financial Services.
IntroReferralHouse floor actionsIntroduced in House
IntroReferralLibrary of Congress
Roll-call votes
Recorded House and Senate votes connected to this bill. Your representatives appear first when available.
No connected roll-call votes are currently available for this bill.
Discussion
0 comments across 0 threads
Sign in to join the discussion.Comments are publicly visible.
Loading comments...