119th Congress Finance and Financial Sector
S. 1467: Homebuyers Privacy Protection Act
Passed Senate
- Introduced (completed)
- Passed Senate (completed)
- Passed House (not reached)
- To the President (not reached)
- Became law (not reached)
Summary
This bill limits the circumstances in which credit reporting agencies may provide consumer credit reports to third parties in connection with residential mortgage transactions.
Specifically, the bill 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 the bill's enactment.
Written by the Congressional Research Service, Library of Congress.
Roll calls
No roll call votes have been held on this bill.
Amendments
No amendments were offered to this bill.
Cosponsors
- Angela Alsobrooks D-MDOriginal
- Tammy Baldwin D-WIOriginal
- Michael Bennet D-COOriginal
- Richard Blumenthal D-CTOriginal
- Katie Britt R-ALOriginal
- Michael Crapo R-IDOriginal
- Shelley Capito R-WVOriginal
- Kevin Cramer R-NDOriginal
- Catherine Cortez Masto D-NVOriginal
- Deb Fischer R-NEOriginal
- John Fetterman D-PAOriginal
- Ruben Gallego D-AZOriginal
- John Hickenlooper D-COOriginal
- Bill Hagerty R-TNOriginal
- Cindy Hyde-Smith R-MSOriginal
- Amy Klobuchar D-MNOriginal
- Mark Kelly D-AZOriginal
- Angus King I-MEOriginal
- Timothy Kaine D-VAOriginal
- Edward Markey D-MAOriginal
- Jeff Merkley D-OROriginal
- Gary Peters D-MIOriginal
- James Risch R-IDOriginal
- Mike Rounds R-SDOriginal
- Jacky Rosen D-NVOriginal
- Pete Ricketts R-NEOriginal
- Jeanne Shaheen D-NHOriginal
- Brian Schatz D-HIOriginal
- Tina Smith D-MNOriginal
- Tommy Tuberville R-ALOriginal
- Thom Tillis R-NCOriginal
- Chris Van Hollen D-MDOriginal
- Ron Wyden D-OROriginal
- Peter Welch D-VTOriginal
- Sheldon Whitehouse D-RIOriginal
- Martin Heinrich D-NM
- Roger Wicker R-MS
- Bernie Moreno R-OH
- Jim Banks R-IN
- Bill Cassidy R-LA
- Susan Collins R-ME
- John Hoeven R-ND
- Dan Sullivan R-AK
- Rick Scott R-FL
- Richard Durbin D-IL
Who scored on this bill
- 1John Reed SponsorDrew cross-party cosponsors, reached a cosponsor milestone, introduced, discharged, passed Senate5 events+66
- 2Angela AlsobrooksCosponsored; cosponsored bill passed2 events+4
- 2Tammy BaldwinCosponsored; cosponsored bill passed2 events+4
- 2Jim BanksCosponsored; cosponsored bill passed2 events+4
- 2Michael BennetCosponsored; 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 Reed
- S. 4110: EMPOWER for Health Act
- S. 4109: Stem Cell Therapeutic and Research Reauthorization Act of 2026
- S.J.Res. 132: Disapproval of Bureau of Consumer Financial Protection relating to the withdrawal of the rule rule: Examinations for Risks to Active-Duty Servicemembers and Their Covered Dependents
- S.J.Res. 134: Disapproval of Bureau of Consumer Financial Protection relating to the withdrawal of the rule rule: Truth in Lending (Regulation Z); Use of Digital User Accounts to Access Buy Now, Pay Later Loans
- S. 3502: Homebuyers Privacy Protection Act
- S. 4678: Legislative Branch Appropriations Act, 2025
History
- Passed the Senate by unanimous consent.
- Introduced in the Senate by John Reed.
Show the full action history (8 actions)
- Received in the House.
- Held at the desk.
- Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.
- Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent. (consideration: CR S3395-3396)
- Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)
- Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)
- Introduced in Senate
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Sponsor introductory remarks on measure: CR S2567)