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119th Congress Finance and Financial Sector

H.R. 2808: Homebuyers Privacy Protection Act

Became LawPublic Law 119-36, signed Sep 5, 2025

  1. Introduced (completed)Apr 10, 2025
  2. Passed House (completed)Jun 23, 2025
  3. Passed Senate (completed)Aug 2, 2025
  4. To the President (completed)Aug 25, 2025
  5. Became law (completed)Sep 5, 2025

Summary

Public Law, Sep 5, 2025

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.

Read the full summary

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.

Written by the Congressional Research Service, Library of Congress.

Roll calls

0 votes on this bill

No roll call votes have been held on this bill.

Amendments

0 offered

No amendments were offered to this bill.

Cosponsors

89

Bipartisan support.

Who scored on this bill

536 points earned
  1. 1John Rose R-TN SponsorDrew cross-party cosponsors, reached a cosponsor milestone, introduced, marked up, reported, passed House, passed Senate, became law9 events+180
  2. 2Mark Alford R-MOCosponsored; cosponsored bill passed2 events+4
  3. 2Gabe Amo D-RICosponsored; cosponsored bill passed2 events+4
  4. 2Mark Amodei R-NVCosponsored; cosponsored bill passed2 events+4
  5. 2Don Bacon R-NECosponsored; cosponsored bill passed2 events+4
See all scorers and every scoring event

Introductions and cosponsorships count toward weekly caps and show no points.

Other bills by John Rose

History

  1. Sep 5, 2025Signed by the President. Became Public Law 119-36.
  2. Aug 25, 2025Presented to the President.
  3. Aug 2, 2025Passed the Senate by unanimous consent.
  4. Jun 23, 2025Passed the House by voice vote.
  5. Apr 10, 2025Introduced in the House by John Rose.
Show the full action history (19 actions)
  1. Sep 5, 2025Signed by President.
  2. Sep 5, 2025Became Public Law No: 119-36.
  3. Aug 25, 2025Presented to President.
  4. Aug 8, 2025Message on Senate action sent to the House.
  5. Aug 2, 2025Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.
  6. Aug 2, 2025Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522)
  7. Jun 24, 2025Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104.
  8. Jun 23, 2025Mr. Rose moved to suspend the rules and pass the bill, as amended.
  9. Jun 23, 2025Considered under suspension of the rules. (consideration: CR H2876-2877)
  10. Jun 23, 2025DEBATE - The House proceeded with forty minutes of debate on H.R. 2808.
  11. Jun 23, 2025Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)
  12. Jun 23, 2025On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)
  13. Jun 23, 2025Motion to reconsider laid on the table Agreed to without objection.
  14. Jun 20, 2025Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.
  15. Jun 20, 2025Placed on the Union Calendar, Calendar No. 133.
  16. Jun 10, 2025Committee Consideration and Mark-up Session Held
  17. Jun 10, 2025Ordered to be Reported (Amended) by the Yeas and Nays: 46 - 0.
  18. Apr 10, 2025Introduced in House
  19. Apr 10, 2025Referred to the House Committee on Financial Services.