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Banking, Housing, and Urban Affairs Committee
- Referred To
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S. 1467Passed Senate
Homebuyers Privacy Protection Act
Introduced: Apr 10, 2025
Latest action date: Jun 17, 2025
Latest development
Held at the desk.
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- Congress
- 119th Congress
- Introduced
- Apr 10, 2025
- Recorded roll calls
- 0
Status detail: The full action history records passage in the Senate.
Plain-language overview
What this bill does
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.
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 Sep 30, 2026.
Action timeline
Newest action first. Action language comes from the official Congress.gov record.
View full action timeline8 actions
Held at the desk.
FloorHouse floor actionsReceived in the House.
FloorHouse floor actionsPassed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)
FloorSenatePassed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)
FloorLibrary of CongressSenate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.
CommitteeLibrary of CongressSenate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent. (consideration: CR S3395-3396)
DischargeSenateRead twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Sponsor introductory remarks on measure: CR S2567)
IntroReferralSenateIntroduced in Senate
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.
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