H.R. 2808 119th Congress House

Homebuyers Privacy Protection Act

Official title: To amend the Fair Credit Reporting Act to prevent consumer reporting agencies from furnishing consumer reports under certain circumstances, and for other purposes.

Introduced: April 10, 2025 Introduced by: John W. Rose Republican · Tennessee See on congress.gov

Finance and Financial Sector Consumer creditFinancial services and investmentsHousing finance and home ownershipReal estate businessRight of privacy

Everywhere this bill has been 19 steps

Introduced

In committee

Reported out

Passed House

Passed Senate

To President

Became law

Sep 5, 2025

Became Public Law No: 119-36.

Sep 5, 2025

Signed by President.

Aug 25, 2025

Presented to President.

Aug 8, 2025

Message on Senate action sent to the House.

Aug 2, 2025

Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.

Aug 2, 2025

Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522)

Jun 24, 2025

Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104.

Jun 23, 2025

Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)

Jun 23, 2025

Motion to reconsider laid on the table Agreed to without objection.

Jun 23, 2025

On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)

Jun 23, 2025

Considered under suspension of the rules. (consideration: CR H2876-2877)

Jun 23, 2025

DEBATE - The House proceeded with forty minutes of debate on H.R. 2808.

Jun 23, 2025

Mr. Rose moved to suspend the rules and pass the bill, as amended.

Jun 20, 2025

Placed on the Union Calendar, Calendar No. 133.

Jun 20, 2025

Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.

Jun 10, 2025

Ordered to be Reported (Amended) by the Yeas and Nays: 46 - 0.

Jun 10, 2025

Committee Consideration and Mark-up Session Held

Apr 10, 2025

Referred to the House Committee on Financial Services.

Apr 10, 2025

Introduced in House

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Latest action September 5, 2025

Became Public Law No: 119-36.

Plain-English summary Congressional Research Service

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.

Hearings & markups 2

Various Measures
Markup Jun 10, 2025 · 10:00 AM EDT · Financial Services Committee
Regulatory Overreach: The Price Tag on American Prosperity
Hearing Apr 29, 2025 · 10:00 AM EDT · Financial Institutions and Monetary Policy Subcommittee

Related & companion bills 1

Bill text 7 versions

Engrossed in House Formatted Text PDF Formatted XML
Enrolled Bill Formatted Text PDF Formatted XML United States Legislative Markup
Introduced in House Formatted Text PDF Formatted XML
Placed on Calendar Senate Formatted Text PDF Formatted XML
Placed on Calendar Senate Formatted Text PDF Formatted XML
Public Law Formatted Text PDF United States Legislative Markup
Reported in House Formatted Text PDF Formatted XML

Source documents hosted by congress.gov.

Committees of jurisdiction 1

Financial Services Committee
House of Representatives

Lobbying activity 65

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

NATIONAL ASSOCIATION OF REALTORS
for NATIONAL ASSOCIATION OF REALTORS · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
MINDSET ADVOCACY, LLC
for ROCKET LIMITED PARTNERSHIP · Michigan · 3rd Quarter 2026 (July 1 - Sep 30)
NATIONAL ASSOCIATION OF REALTORS
for NATIONAL ASSOCIATION OF REALTORS · District of Columbia · 2nd Quarter 2026 (Apr 1 - June 30)
MEHLMAN CONSULTING, INC.
for ROCKET LP · Michigan · 2nd Quarter 2026 (Apr 1 - June 30)
MINDSET ADVOCACY, LLC
for ROCKET LIMITED PARTNERSHIP · Michigan · 2nd Quarter 2026 (Apr 1 - June 30)
CREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS
for CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONS · District of Columbia · 2nd Quarter 2026 (Apr 1 - June 30)

Bodies those filers lobbied

HOUSE OF REPRESENTATIVES
65 filings
SENATE
65 filings
Treasury, Dept of
43 filings
Federal Housing Finance Agency (FHFA)
37 filings
Consumer Financial Protection Bureau (CFPB)
36 filings
Housing & Urban Development, Dept of (HUD)
34 filings
White House Office
33 filings
Veterans Affairs, Dept of (VA)
21 filings

A filing lists the bills it worked on and the parts of government it contacted in separate sections, so these are the bodies those filers named anywhere in the filing, not a per-bill breakdown.

See all 65 filings →

Cosponsors 89

Hinson, Ashley

Iowa · Jun 20, 2025

Schneider, Bradley Scott

Illinois · Jun 20, 2025

Cloud, Michael

Texas · Jun 17, 2025

Kelly, Robin L.

Illinois · Jun 17, 2025

Kiggans, Jennifer A.

Virginia · Jun 17, 2025

Tiffany, Thomas P.

Wisconsin · Jun 12, 2025

Liccardo, Sam T.

California · Jun 10, 2025

South Carolina · Jun 5, 2025

Ross, Deborah K.

North Carolina · Jun 5, 2025

Scott, David

Georgia · Jun 4, 2025

Barrett, Tom

Michigan · May 29, 2025

Downing, Troy

Montana · May 29, 2025

Craig, Angie

Minnesota · May 23, 2025

Fischbach, Michelle

Minnesota · May 21, 2025

Fleischmann, Charles J. "Chuck"

Tennessee · May 21, 2025

Luna, Anna Paulina

Florida · May 21, 2025

Smucker, Lloyd

Pennsylvania · May 21, 2025

Sorensen, Eric

Illinois · May 21, 2025

LaHood, Darin

Illinois · May 20, 2025

Cline, Ben

Virginia · May 19, 2025

Lynch, Stephen F.

Massachusetts · May 17, 2025

McBride, Sarah

Delaware · May 17, 2025

Meeks, Gregory W.

New York · May 17, 2025

Schmidt, Derek

Kansas · May 17, 2025

Velázquez, Nydia M.

New York · May 17, 2025

Gottheimer, Josh

New Jersey · May 15, 2025

Burchett, Tim

Tennessee · May 14, 2025

Lawler, Michael

New York · May 13, 2025

Florida · May 7, 2025

Finstad, Brad

Minnesota · May 7, 2025

Golden, Jared F.

Maine · May 7, 2025

Huizenga, Bill

Michigan · May 7, 2025

Stutzman, Marlin A.

Indiana · May 7, 2025

Vindman, Eugene Simon

Virginia · May 7, 2025

Bacon, Don

Nebraska · May 5, 2025

Kiley, Kevin

California · May 5, 2025

Case, Ed

Hawaii · May 1, 2025

Haridopolos, Mike

Florida · Apr 30, 2025

Moore, Tim

North Carolina · Apr 30, 2025

Webster, Daniel

Florida · Apr 30, 2025

Alford, Mark

Missouri · Apr 29, 2025

Grothman, Glenn

Wisconsin · Apr 29, 2025

Mrvan, Frank J.

Indiana · Apr 29, 2025

Rutherford, John H.

Florida · Apr 29, 2025

Bishop, Sanford D.

Georgia · Apr 28, 2025

Buchanan, Vern

Florida · Apr 28, 2025

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APA

U.S. Congress. (2026). H.R. 2808: Homebuyers Privacy Protection Act. 119th Congress. Open America. https://openamerica.io/bill/119-HR-2808/

MLA

"H.R. 2808: Homebuyers Privacy Protection Act." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-2808/.

Bluebook (legal)

H.R. 2808, 119th Cong. (2026), https://openamerica.io/bill/119-HR-2808/.

Markdown link

[H.R. 2808: Homebuyers Privacy Protection Act](https://openamerica.io/bill/119-HR-2808/)