Homebuyers Privacy Protection Act
Signed into law Sep 5, 2025 · Finance and Financial Sector
What this law does
- Bars credit reporting agencies from sharing a consumer's credit report with outside parties in mortgage deals, with limited exceptions.
- Allows sharing only for firm credit or insurance offers when the consumer consented or already has a mortgage or banking relationship with that party.
- Takes effect 180 days after becoming law.
- Requires a Government Accountability Office study on text-message "trigger leads," which are unsolicited credit offers sent after someone applies for credit.
Plain-language list by Voting On, based only on the official summary by the nonpartisan Congressional Research Service and the bill's titles. Read the official summary.
How it became law
- IntroducedApr 10, 2025 · House
- 74 daysPassed HouseJun 23, 2025
- 40 daysPassed SenateAug 2, 2025
- 23 daysPresented to the PresidentAug 25, 2025
- 11 daysSigned into lawSep 5, 2025
Official 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.
Summary by the nonpartisan Congressional Research Service (Public Law, Sep 5, 2025).
Who wrote it
Sponsor: Rep. Rose, John W. [R-TN-6]
89 cosponsors: 33 Democrats, 56 Republicans. 27 signed on the day it was introduced, 62 joined later.
Show all cosponsors
| Cosponsor | Signed on | |
|---|---|---|
| Rep. Torres, Ritchie [D-NY-15] | Apr 10, 2025 | Original cosponsor |
| Rep. Garbarino, Andrew R. [R-NY-2] | Apr 10, 2025 | Original cosponsor |
| Rep. Nunn, Zachary [R-IA-3] | Apr 10, 2025 | Original cosponsor |
| Rep. Amodei, Mark E. [R-NV-2] | Apr 10, 2025 | Original cosponsor |
| Rep. Amo, Gabe [D-RI-1] | Apr 10, 2025 | Original cosponsor |
| Rep. Neguse, Joe [D-CO-2] | Apr 10, 2025 | Original cosponsor |
| Del. Norton, Eleanor Holmes [D-DC-At Large] | Apr 10, 2025 | Original cosponsor |
| Rep. Ogles, Andrew [R-TN-5] | Apr 10, 2025 | Original cosponsor |
| Rep. Steil, Bryan [R-WI-1] | Apr 10, 2025 | Original cosponsor |
| Rep. Wittman, Robert J. [R-VA-1] | Apr 10, 2025 | Original cosponsor |
| Rep. Lucas, Frank D. [R-OK-3] | Apr 10, 2025 | Original cosponsor |
| Rep. Johnson, Dusty [R-SD-At Large] | Apr 10, 2025 | Original cosponsor |
| Rep. Timmons, William R. [R-SC-4] | Apr 10, 2025 | Original cosponsor |
| Rep. Bergman, Jack [R-MI-1] | Apr 10, 2025 | Original cosponsor |
| Rep. Brownley, Julia [D-CA-26] | Apr 10, 2025 | Original cosponsor |
| Rep. Suozzi, Thomas R. [D-NY-3] | Apr 10, 2025 | Original cosponsor |
| Rep. Moolenaar, John R. [R-MI-2] | Apr 10, 2025 | Original cosponsor |
| Rep. Cleaver, Emanuel [D-MO-5] | Apr 10, 2025 | Original cosponsor |
| Rep. Bice, Stephanie I. [R-OK-5] | Apr 10, 2025 | Original cosponsor |
| Rep. Fields, Cleo [D-LA-6] | Apr 10, 2025 | Original cosponsor |
| Rep. Smith, Adrian [R-NE-3] | Apr 10, 2025 | Original cosponsor |
| Rep. Franklin, Scott [R-FL-18] | Apr 10, 2025 | Original cosponsor |
| Rep. Kustoff, David [R-TN-8] | Apr 10, 2025 | Original cosponsor |
| Rep. Kelly, Trent [R-MS-1] | Apr 10, 2025 | Original cosponsor |
| Rep. Pettersen, Brittany [D-CO-7] | Apr 10, 2025 | Original cosponsor |
| Rep. Guest, Michael [R-MS-3] | Apr 10, 2025 | Original cosponsor |
| Rep. Fitzpatrick, Brian K. [R-PA-1] | Apr 10, 2025 | Original cosponsor |
| Rep. McClain, Lisa C. [R-MI-9] | Apr 14, 2025 | |
| Rep. Williams, Nikema [D-GA-5] | Apr 14, 2025 | |
| Rep. Beatty, Joyce [D-OH-3] | Apr 17, 2025 | |
| Rep. Crow, Jason [D-CO-6] | Apr 17, 2025 | |
| Rep. Thompson, Bennie G. [D-MS-2] | Apr 17, 2025 | |
| Rep. Ezell, Mike [R-MS-4] | Apr 21, 2025 | |
| Rep. De La Cruz, Monica [R-TX-15] | Apr 28, 2025 | |
| Rep. Flood, Mike [R-NE-1] | Apr 28, 2025 | |
| Rep. Meuser, Daniel [R-PA-9] | Apr 28, 2025 | |
| Rep. Hern, Kevin [R-OK-1] | Apr 28, 2025 | |
| Rep. Buchanan, Vern [R-FL-16] | Apr 28, 2025 | |
| Rep. Bishop, Sanford D. [D-GA-2] | Apr 28, 2025 | |
| Rep. Foster, Bill [D-IL-11] | Apr 28, 2025 | |
| Rep. Sherman, Brad [D-CA-32] | Apr 28, 2025 | |
| Rep. Rutherford, John H. [R-FL-5] | Apr 29, 2025 | |
| Rep. Alford, Mark [R-MO-4] | Apr 29, 2025 | |
| Rep. Mrvan, Frank J. [D-IN-1] | Apr 29, 2025 | |
| Rep. Grothman, Glenn [R-WI-6] | Apr 29, 2025 | |
| Rep. Moore, Tim [R-NC-14] | Apr 30, 2025 | |
| Rep. Haridopolos, Mike [R-FL-8] | Apr 30, 2025 | |
| Rep. Webster, Daniel [R-FL-11] | Apr 30, 2025 | |
| Rep. Case, Ed [D-HI-1] | May 1, 2025 | |
| Rep. Kiley, Kevin [R-CA-3] | May 5, 2025 | |
| Rep. Bacon, Don [R-NE-2] | May 5, 2025 | |
| Rep. Davidson, Warren [R-OH-8] | May 7, 2025 | |
| Rep. Finstad, Brad [R-MN-1] | May 7, 2025 | |
| Rep. Vindman, Eugene Simon [D-VA-7] | May 7, 2025 | |
| Rep. Golden, Jared F. [D-ME-2] | May 7, 2025 | |
| Rep. Huizenga, Bill [R-MI-4] | May 7, 2025 | |
| Rep. Donalds, Byron [R-FL-19] | May 7, 2025 | |
| Rep. Stutzman, Marlin A. [R-IN-3] | May 7, 2025 | |
| Rep. Mann, Tracey [R-KS-1] | May 8, 2025 | |
| Rep. Lawler, Michael [R-NY-17] | May 13, 2025 | |
| Rep. Burchett, Tim [R-TN-2] | May 14, 2025 | |
| Rep. Gottheimer, Josh [D-NJ-5] | May 15, 2025 | |
| Rep. Velázquez, Nydia M. [D-NY-7] | May 17, 2025 | |
| Rep. Lynch, Stephen F. [D-MA-8] | May 17, 2025 | |
| Rep. Meeks, Gregory W. [D-NY-5] | May 17, 2025 | |
| Rep. McBride, Sarah [D-DE-At Large] | May 17, 2025 | |
| Rep. Schmidt, Derek [R-KS-2] | May 17, 2025 | |
| Rep. Cline, Ben [R-VA-6] | May 19, 2025 | |
| Rep. LaHood, Darin [R-IL-16] | May 20, 2025 | |
| Rep. Fleischmann, Charles J. "Chuck" [R-TN-3] | May 21, 2025 | |
| Rep. Fischbach, Michelle [R-MN-7] | May 21, 2025 | |
| Rep. Sorensen, Eric [D-IL-17] | May 21, 2025 | |
| Rep. Luna, Anna Paulina [R-FL-13] | May 21, 2025 | |
| Rep. Smucker, Lloyd [R-PA-11] | May 21, 2025 | |
| Rep. Craig, Angie [D-MN-2] | May 23, 2025 | |
| Rep. Barrett, Tom [R-MI-7] | May 29, 2025 | |
| Rep. Downing, Troy [R-MT-2] | May 29, 2025 | |
| Rep. Scott, David [D-GA-13] | Jun 4, 2025 | |
| Rep. Norman, Ralph [R-SC-5] | Jun 5, 2025 | |
| Rep. Bynum, Janelle S. [D-OR-5] | Jun 5, 2025 | |
| Rep. Ross, Deborah K. [D-NC-2] | Jun 5, 2025 | |
| Rep. Sessions, Pete [R-TX-17] | Jun 9, 2025 | |
| Rep. Liccardo, Sam T. [D-CA-16] | Jun 10, 2025 | |
| Rep. Tiffany, Thomas P. [R-WI-7] | Jun 12, 2025 | |
| Rep. Kiggans, Jennifer A. [R-VA-2] | Jun 17, 2025 | |
| Rep. Cloud, Michael [R-TX-27] | Jun 17, 2025 | |
| Rep. Kelly, Robin L. [D-IL-2] | Jun 17, 2025 | |
| Rep. Schneider, Bradley Scott [D-IL-10] | Jun 20, 2025 | |
| Rep. Hinson, Ashley [R-IA-2] | Jun 20, 2025 |
Recorded votes
No recorded roll-call votes. It passed by voice vote or unanimous consent, where individual votes are not recorded.
What was added
Amendments adopted (0)
No floor amendments were adopted. Any changes were made in committee or in a later version of the bill.
Sections in the final law that were not in the first version (Introduced in House) (1)
- 4. GAO study
What was removed
Sections in the first version (Introduced in House) that did not make it into the law (0)
None. Every section heading from the first version (Introduced in House) remains in the law.
Compared by section heading between the Introduced in House text (Apr 10, 2025) and the Enrolled Bill text, both from GovInfo. Wording changes inside a section that kept its heading are not shown here; see the amendments and the text versions.
Proposed but not adopted
No amendments were voted down or withdrawn.
Full action history
Show all 24 official actions
| Sep 5, 2025 | Signed by President. |
| Sep 5, 2025 | Signed by President. |
| Sep 5, 2025 | Became Public Law No: 119-36. |
| Sep 5, 2025 | Became Public Law No: 119-36. |
| Aug 25, 2025 | Presented to 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 | Motion to reconsider laid on the table Agreed to without objection. |
| 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 | On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876) |
| Jun 23, 2025 | DEBATE - The House proceeded with forty minutes of debate on H.R. 2808. |
| Jun 23, 2025 | Considered under suspension of the rules. (consideration: CR H2876-2877) |
| Jun 23, 2025 | Mr. Rose moved to suspend the rules and pass the bill, as amended. |
| Jun 20, 2025 | Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166. |
| Jun 20, 2025 | Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166. |
| Jun 20, 2025 | Placed on the Union Calendar, Calendar No. 133. |
| Jun 10, 2025 | Committee Consideration and Mark-up Session Held |
| Jun 10, 2025 | Ordered to be Reported (Amended) by the Yeas and Nays: 46 - 0. |
| Apr 10, 2025 | Introduced in House |
| Apr 10, 2025 | Introduced in House |
| Apr 10, 2025 | Referred to the House Committee on Financial Services. |
Sources: Congress.gov (bill record, sponsors, actions, amendments, CRS summary) and GovInfo (official text). Days are calendar days.