HR 2808
· 119th Congress
· Finance and Financial Sector
Homebuyers Privacy Protection Act
Sponsor
Latest action
Became Public Law No: 119-36.
Action timeline
Every recorded action on this bill, newest first. Stage badges color-code the legislative path.
Sep 05, 2025
signed
Signed by President.
Sep 05, 2025
signed
Became Public Law No: 119-36.
Aug 25, 2025
sent
Presented to President.
Aug 08, 2025
floor
Message on Senate action sent to the House.
Aug 02, 2025
passed
Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.
Aug 02, 2025
passed
Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522: 1)
Jun 24, 2025
other
Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104.
Jun 23, 2025
floor
Mr. Rose moved to suspend the rules and pass the bill, as amended.
Jun 23, 2025
floor
Considered under suspension of the rules. (consideration: CR H2876-2877)
Jun 23, 2025
floor
DEBATE - The House proceeded with forty minutes of debate on H.R. 2808.
Jun 23, 2025
passed
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
passed
On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)
Jun 23, 2025
passed
Motion to reconsider laid on the table Agreed to without objection.
Jun 20, 2025
committee
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.
Financial Services Committee
Jun 20, 2025
other
Placed on the Union Calendar, Calendar No. 133.
Jun 10, 2025
committee
Committee Consideration and Mark-up Session Held
Financial Services Committee
Jun 10, 2025
committee
Ordered to be Reported (Amended) by the Yeas and Nays: 46 - 0.
Financial Services Committee
Apr 10, 2025
introduced
Introduced in House
Apr 10, 2025
introduced
Referred to the House Committee on Financial Services.
Financial Services Committee
Text versions
Each stage of the bill — official text published by GPO. Click any format to read on congress.gov / govinfo.
CRS summaries
Plain-English summaries written by the Congressional Research Service — neutral, nonpartisan staff who summarize bills as they advance through stages. The authoritative description of what each version of the bill does.
00
Introduced in House
Apr 10, 2025
Homebuyers Privacy Protection Act
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.
via Congressional Research Service · published through congress.gov
Changelog
ⓘ
How a bill moves through Congress. Each stage produces a new official text. The diff between them shows what changed at that step.
ih / is — Introduced in House / Senate. First filed version.rfh / rfs — Referred to a committee for review.rh / rs — Reported back by the committee to the floor (often with amendments — this is where most language changes happen).pcs / pch — Placed on Calendar for floor consideration.eh / es — Engrossed. Passed by the originating chamber. Text is now what was actually voted on.rdh / rds — Received by the other chamber.eah / eas — Engrossed Amendment. The other chamber passed an amended version.ath / ats — Agreed to. Both chambers settled on the same text.enr — Enrolled. Final reconciled text, sent to the President.pl — Public Law. Signed by the President. It's now law.pp — Public Print. Official printing post-enactment.
Most bills die before eh/es. Going from pcs → enr is the full path through both chambers.
ⓘ
How a bill moves through Congress. Each stage produces a new official text. The diff between them shows what changed at that step.
ih/is— Introduced in House / Senate. First filed version.rfh/rfs— Referred to a committee for review.rh/rs— Reported back by the committee to the floor (often with amendments — this is where most language changes happen).pcs/pch— Placed on Calendar for floor consideration.eh/es— Engrossed. Passed by the originating chamber. Text is now what was actually voted on.rdh/rds— Received by the other chamber.eah/eas— Engrossed Amendment. The other chamber passed an amended version.ath/ats— Agreed to. Both chambers settled on the same text.enr— Enrolled. Final reconciled text, sent to the President.pl— Public Law. Signed by the President. It's now law.pp— Public Print. Official printing post-enactment.
Most bills die before eh/es. Going from pcs → enr is the full path through both chambers.
Line-level diff between text versions of this bill — what actually changed at each legislative stage.
+50
−93
34 unchanged
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--- Placed on Calendar (Senate)
+++ Enrolled
@@ -1,24 +1,20 @@
[From the U.S. Government Publishing Office]
-[H.R. 2808 Placed on Calendar Senate (PCS)]
+[H.R. 2808 Enrolled Bill (ENR)]
-<DOC>
+H.R.2808
-Calendar No. 104
-119th CONGRESS
-1st Session
-H. R. 2808
+One Hundred Nineteenth Congress
-_______________________________________________________________________
+of the
-IN THE SENATE OF THE UNITED STATES
+United States of America
-June 24, 2025
+AT THE FIRST SESSION
-Received; read twice and placed on the calendar
+Begun and held at the City of Washington on Friday,
+the third day of January, two thousand and twenty-five
-_______________________________________________________________________
-
-AN ACT
+An Act
To amend the Fair Credit Reporting Act to prevent consumer reporting
agencies from furnishing consumer reports under certain circumstances,
@@ -26,72 +22,57 @@
Be it enacted by the Senate and House of Representatives of the
United States of America in Congress assembled,
-
SECTION 1. SHORT TITLE.
-
This Act may be cited as the ``Homebuyers Privacy Protection Act''.
-
SEC. 2. TREATMENT OF PRESCREENING REPORT REQUESTS.
-
(a) In General.--Section 604(c) of the Fair Credit Reporting Act
(15 U.S.C. 1681b(c)) is amended by adding at the end the following:
``(4) Treatment of prescreening report requests.--
``(A) Definitions.--In this paragraph:
-``(i) Credit union.--The term `credit
-union' means a Federal credit union or a State
-credit union, as those terms are defined,
-respectively, in section 101 of the Federal
-Credit Union Act (12 U.S.C. 1752).
-``(ii) Insured depository institution.--The
-term `insured depository institution' has the
-meaning given the term in section 3 of the
-Federal Deposit Insurance Act (12 U.S.C.
-1813(c)).
-``(iii) Residential mortgage loan.--The
-term `residential mortgage loan' has the
-meaning given the term in section 1503 of the
-S.A.F.E. Mortgage Licensing Act of 2008 (12
-U.S.C. 5102).
-``(iv) Servicer.--The term `servicer' has
-the meaning given the term in section 6(i) of
-the Real Estate Settlement Procedures Act of
-1974 (12 U.S.C. 2605(i)).
-``(B) Limitation.--If a person requests a consumer
-report from a consumer reporting agency in connection
-with a credit transaction involving a residential
-mortgage loan, that agency may not, based in whole or
-in part on that request, furnish a consumer report to
-another person under this subsection unless--
-``(i) the transaction consists of a firm
-offer of credit or insurance; and
+``(i) Credit union.--The term `credit union' means a
+Federal credit union or a State credit union, as those
+terms are defined, respectively, in section 101 of the
+Federal Credit Union Act (12 U.S.C. 1752).
+``(ii) Insured depository institution.--The term
+`insured depository institution' has the meaning given the
+term in section 3 of the Federal Deposit Insurance Act (12
+U.S.C. 1813(c)).
+``(iii) Residential mortgage loan.--The term
+`residential mortgage loan' has the meaning given the term
+in section 1503 of the S.A.F.E. Mortgage Licensing Act of
+2008 (12 U.S.C. 5102).
+``(iv) Servicer.--The term `servicer' has the meaning
+given the term in section 6(i) of the Real Estate
+Settlement Procedures Act of 1974 (12 U.S.C. 2605(i)).
+``(B) Limitation.--If a person requests a consumer report
+from a consumer reporting agency in connection with a credit
+transaction involving a residential mortgage loan, that agency
+may not, based in whole or in part on that request, furnish a
+consumer report to another person under this subsection
+unless--
+``(i) the transaction consists of a firm offer of
+credit or insurance; and
``(ii) that other person--
-``(I) has submitted documentation
-to that agency certifying that such
-other person has, pursuant to paragraph
-(1)(A), the authorization of the
-consumer to whom the consumer report
-relates; or
-``(II)(aa) has originated a current
-residential mortgage loan of the
-consumer to whom the consumer report
-relates;
-``(bb) is the servicer of a current
-residential mortgage loan of the
-consumer to whom the consumer report
-relates; or
-``(cc)(AA) is an insured depository
-institution or credit union; and
-``(BB) holds a current account for
-the consumer to whom the consumer
-report relates.''.
+
+``(I) has submitted documentation to that agency
+certifying that such other person has, pursuant to
+paragraph (1)(A), the authorization of the consumer to
+whom the consumer report relates; or
+``(II)(aa) has originated a current residential
+mortgage loan of the consumer to whom the consumer
+report relates;
+``(bb) is the servicer of a current residential
+mortgage loan of the consumer to whom the consumer
+report relates; or
+``(cc)(AA) is an insured depository institution or
+credit union; and
+``(BB) holds a current account for the consumer to
+whom the consumer report relates.''.
SEC. 3. EFFECTIVE DATE.
-
This Act, and the amendments made by this Act, shall take effect on
the date that is 180 days after the date of enactment of this Act.
-
SEC. 4. GAO STUDY.
-
(a) In General.--The Comptroller General of the United States shall
carry out a study on the value of trigger leads received by text
message that includes input from State regulatory agencies, mortgage
@@ -104,31 +85,7 @@
shall submit to Congress a report containing any findings and
determinations made in the study required by subsection (a).
-Passed the House of Representatives June 23, 2025.
+Speaker of the House of Representatives.
-Attest:
-
-KEVIN F. MCCUMBER,
-
-Clerk.
-Calendar No. 104
-
-119th CONGRESS
-
-1st Session
-
-H. R. 2808
-
-_______________________________________________________________________
-
-AN ACT
-
-To amend the Fair Credit Reporting Act to prevent consumer reporting
-agencies from furnishing consumer reports under certain circumstances,
-and for other purposes.
-
-_______________________________________________________________________
-
-June 24, 2025
-
-Received; read twice and placed on the calendar
+Vice President of the United States and
+President of the Senate.
Lobbying activity
Organizations whose LDA filings reference this bill, ranked by filing count. Position not disclosed — LDA does not require lobbyists to report support / oppose / monitor. Bill-number references can be stale (lobbyists sometimes copy text year-over-year), so verify against the filing description.
5
filings · 2026 Q3
5
filings · 2026 Q3
4
filings · 2026 Q3
AARP
CSPFINHOU
4
filings · 2026 Q3
4
filings · 2025 Q3
4
filings · 2026 Q3
3
filings · 2025 Q3
TRANS UNION LLC
BAN
2
filings · 2025 Q2
2
filings · 2025 Q3
2
filings · 2025 Q3
via Senate LDA · self-reported quarterly. Filing count = filings mentioning this bill (no position required), not money spent on it. Click a client to see all bills they've filed on.
Cosponsors (88)
Members who signed on to support this bill.
Torres D
Fitzpatrick R
Nunn R
Amodei R
Amo D
Neguse D
Norton D
Ogles R
Steil R
Wittman R
Lucas R
Garbarino R
Timmons R
Bergman R
Brownley D
Suozzi D
Moolenaar R
Cleaver D
Bice R
Fields D
Smith R
Franklin R
Kustoff R
Kelly R
Pettersen D
Guest R
Johnson R
McClain R
Williams D
Beatty D
Crow D
Thompson D
Ezell R
Sherman D
De La Cruz R
Flood R
Meuser R
Hern R
Buchanan R
Bishop D
Foster D
Grothman R
Alford R
Mrvan D
Rutherford R
Moore R
Haridopolos R
Webster R
Case D
Kiley I
Bacon R
Davidson R
Finstad R
Vindman D
Golden D
Huizenga R
Donalds R
Stutzman R
Mann R
Lawler R
Burchett R
Gottheimer D
McBride D
Lynch D
Meeks D
Velázquez D
Schmidt R
Cline R
LaHood R
Fleischmann R
Fischbach R
Sorensen D
Luna R
Smucker R
Craig D
Downing R
Barrett R
Norman R
Bynum D
Ross D
Sessions R
Liccardo D
Tiffany R
Kiggans R
Cloud R
Kelly D
Schneider D
Hinson R