Homebuyers Privacy Protection Act
Public Law 119-36 · H.R. 2808 · 119th Congress · began in the House
Signed by Donald Trump (R) on Sep 5, 2025 · Finance and Financial Sector
Sponsor: Rep. John Rose (R-TN-6)
Cosponsors (89): Rep. Ritchie Torres, Rep. Andrew Garbarino,
Passage votes
- HouseVoice vote
- SenateUnanimous consent
Data notes
The final version of the law, as each chamber passed it. A chamber that passed it by voice vote or unanimous consent has no count. “Method not stated” means the record does not say how the chamber voted. Where the record has a member-by-member vote, the “Who voted for it” section shows who voted yea.
Summary
The Congressional Research Service’s plain-language summary of what the law does.
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.
Committees
The committees the bill was sent to, and what each did with it.
Data notes
A committee links to its page only where it exists in the current Congress; older and renamed committees are named without a link.
Related bills
1 bill the Library of Congress relates to this one.
S. 1467Public law contains the text
Homebuyers Privacy Protection Act
Data notes
Related bills are identified by the Congressional Research Service, the House and the Senate: companion and identical bills, bills with similar text, bills that were folded into this law, and rules that brought it to the floor. A bill that is itself a public law in this site’s data links here; the others link to Congress.gov.
Timeline
From introduction to signing, newest first: the committees, the floor and the president. 17 actions.
- Sep 5, 2025Became lawBecame law · Became Public Law No: 119-36.
- Became lawBecame law · Signed by President.
- Aug 25, 2025FloorFloor · Presented to President.
- Aug 8, 2025FloorFloor · Message on Senate action sent to the House.
- Aug 2, 2025FloorFloor · Passed Senate without amendment by Unanimous Consent.
- Jun 24, 2025CalendarCalendar · Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104.
- Jun 23, 2025FloorFloor · Motion to reconsider laid on the table Agreed to without objection.
- FloorFloor · On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.
- FloorFloor · DEBATE - The House proceeded with forty minutes of debate on H.R. 2808.
- FloorFloor · Considered under suspension of the rules.
- FloorFloor · Mr. Rose moved to suspend the rules and pass the bill, as amended.
- Jun 20, 2025CalendarCalendar · Placed on the Union Calendar, Calendar No. 133.
- CommitteeCommittee · Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.
- Jun 10, 2025CommitteeCommittee · Ordered to be Reported (Amended) by the Yeas and Nays: 46 - 0.
- CommitteeCommittee · Committee Consideration and Mark-up Session Held
- Apr 10, 2025CommitteeCommittee · Referred to the House Committee on Financial Services.
- IntroducedIntroduced · Introduced in House
Data notes
Every action the Library of Congress lists for the bill, from introduction to signing, plus the dated committee hearings. The source lists many steps twice (the chamber’s own entry and the Library of Congress copy, or a presidential and a became-law entry with the same words); those are shown once. Amendments are listed in their own section.
Amendments
No amendments to this bill are on record.
Data notes
Amendments offered to this bill in either chamber, as the Library of Congress records them: each with a status read from its last recorded step: agreed to, rejected, withdrawn, ruled out of order, fell with another amendment, or offered with no vote recorded (most Senate amendments are only ever offered). The wording of each amendment is the source’s. Amendments to amendments and amendments to other bills are not listed.
Official record
The bill’s full text is on Congress.gov. Data through Oct 7, 2026.