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H.R. 2808: Homebuyers Privacy Protection Act

119th Congress · introduced 2025-04-10 · Finance and Financial Sector · Latest: Became Public Law No: 119-36.

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Official title

Homebuyers Privacy Protection Act

Plain summary

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.

Congressional Research Service summary (Public Law), quoted unchanged (nonpartisan). Read the source.

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PSI Sci description of the legislative step (not an opinion).

The strongest published arguments

Alternatives

Needs sources: no published alternatives yet (for example a different bill, a law instead of an amendment, or keeping current law). We only show items backed by a published source. Suggest one.

Officials and money

Sponsor: Rep. Rose, John W. [R-TN-6] · 89 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Ritchie Torres (D-NY), Andrew R. Garbarino (R-NY), Zachary Nunn (R-IA), Mark E. Amodei (R-NV), Gabe Amo (D-RI), Joe Neguse (D-CO), Eleanor Holmes Norton (D-DC), Andrew Ogles (R-TN), Bryan Steil (R-WI), Robert J. Wittman (R-VA), Frank D. Lucas (R-OK), Dusty Johnson (R-SD), William R. Timmons IV (R-SC), Jack Bergman (R-MI), Julia Brownley (D-CA), Thomas R. Suozzi (D-NY), John R. Moolenaar (R-MI), Emanuel Cleaver (D-MO), Stephanie I. Bice (R-OK), Cleo Fields (D-LA), Adrian Smith (R-NE), Scott Franklin (R-FL), David Kustoff (R-TN), Trent Kelly (R-MS), Brittany Pettersen (D-CO), Michael Guest (R-MS), Brian K. Fitzpatrick (R-PA), Lisa C. McClain (R-MI), Nikema Williams (D-GA), Joyce Beatty (D-OH), Jason Crow (D-CO), Bennie G. Thompson (D-MS), Mike Ezell (R-MS), Monica De La Cruz (R-TX), Mike Flood (R-NE), Daniel Meuser (R-PA), Kevin Hern (R-OK), Vern Buchanan (R-FL), Sanford D. Bishop, Jr. (D-GA), Bill Foster (D-IL), Brad Sherman (D-CA), John H. Rutherford (R-FL), Mark Alford (R-MO), Frank J. Mrvan (D-IN), Glenn Grothman (R-WI), Tim Moore (R-NC), Mike Haridopolos (R-FL), Daniel Webster (R-FL), Ed Case (D-HI), Kevin Kiley (I-CA), Don Bacon (R-NE), Warren Davidson (R-OH), Brad Finstad (R-MN), Eugene Simon Vindman (D-VA), Jared F. Golden (D-ME), Bill Huizenga (R-MI), Byron Donalds (R-FL), Marlin A. Stutzman (R-IN), Tracey Mann (R-KS), Michael Lawler (R-NY) and 29 more.

Sponsor's campaign money: Rep. Rose, John W. [R-TN-6] reported raising $77,890 (2025–2026). Details. Shown for context only; it does not mean any donor supported this bill.

Sources

• Congressional Research Service summary (Public Law)
• Congress.gov
• Data: GovInfo BILLSTATUS bulk data (Library of Congress), BILLSTATUS-119hr2808.xml <https://www.govinfo.gov/bulkdata/BILLSTATUS/119/hr>

Record fed-us-cong119-hr2808 · catalog fed-us-congress-bills-cong119 · updated 2026-11-03 by psicol fed-bills