S. 3502 · 118th Congress

Homebuyers Privacy Protection Act

Introduced on Dec 13, 2023 by Jack Reed (D-RI). 43 cosponsors, 18 of them from another party. Latest action (Dec 18, 2024): Held at the desk.

Stage
Passed one chamber
Introduced
Dec 13, 2023
Cosponsors
43
18 from the other party
Policy area
Finance and Financial Sector
Open in the Congress explorerCongress.govAlert me

Progress

The furthest stage the measure reached. Simple and concurrent resolutions do not go to the President.

  1. Introduced
  2. Reported by committee
  3. Passed one chamber
  4. 4Passed both chambers
  5. 5Sent to the President
  6. 6Became law

Official title

A bill to amend the Fair Credit Reporting Act to prevent consumer reporting agencies from furnishing consumer reports under certain circumstances, and for other purposes.

Subjects

  • Consumer credit
  • Financial services and investments
  • Housing finance and home ownership
  • Real estate business
  • Right of privacy

Summary

The Congressional Research Service has not summarized this measure yet.

Sponsor and cosponsors

Cosponsors by party as of the day they signed on. Original cosponsors signed on the day of introduction.

Jack ReedD-RISponsor

Democrats · 22

Independents · 3

Republicans · 18

Roll calls

Recorded votes on the measure. Most measures move by voice vote or unanimous consent, which record no individual positions.

No recorded roll call on this measure: it moved by voice vote or unanimous consent, or has not reached the floor.

History

Every action as published, oldest first. Roll calls link to how each member voted.

  1. Dec 13, 2023Introduced in Senate
  2. Dec 13, 2023 · SenateRead twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Sponsor introductory remarks on measure: CR S5963-5964)
  3. Mar 12, 2024 · SenateCommittee on Banking, Housing, and Urban Affairs. Hearings held.
  4. Dec 17, 2024Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.
  5. Dec 17, 2024 · SenateSenate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.
  6. Dec 17, 2024 · SenateMeasure laid before Senate by unanimous consent. (consideration: CR S7093)
  7. Dec 17, 2024Passed/agreed to in Senate: Passed Senate with an amendment by Unanimous Consent.
  8. Dec 17, 2024 · SenatePassed Senate with an amendment by Unanimous Consent. (text of amendment in the nature of a substitute: CR S7093)
  9. Dec 18, 2024 · SenateMessage on Senate action sent to the House.
  10. Dec 18, 2024 · HouseReceived in the House.
  11. Dec 18, 2024 · HouseHeld at the desk.

Committees

Committees and subcommittees the measure was referred to.

Agencies in its committees' jurisdiction

Analisa's mapping of committee jurisdiction to federal agencies; the bill may touch others, or none of these.

Who lobbied on it

Organizations whose lobbying reports (LD-2) name this measure. Spending is what they reported for those quarters on all issues, not on this measure alone.

  1. American Bankers Association5 reports
    $8.5M reported (all issues)Federal contractor: AMERICAN BANKERS ASSOCIATIONAI match · 100%
  2. EQUIFAX INC.5 reports
    $1.9M reported (all issues)Federal contractor: EQUIFAX INFORMATION SERVICES LLC$1.3M in contracts, FY2026AI match · 100%
  3. EXPERIAN NORTH AMERICA, INC5 reports
    $1.8M reported (all issues)
  4. INDEPENDENT COMMUNITY BANKERS OF AMERICA5 reports
    $4M reported (all issues)
  5. MORTGAGE BANKERS ASSOCIATION5 reports
    $3.4M reported (all issues)Federal contractor: MORTGAGE BANKERS ASSOCIATION$125K in contracts, FY2026AI match · 100%
  6. NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES5 reports
    $2.1M reported (all issues)
  7. Trans Union LLC5 reports
    $2.6M reported (all issues)Federal contractor: TRANS UNION LLC$3.6M in contracts, FY2026AI match · 100%
  8. BROKER ACTION COALITION4 reports
    $320K reported (all issues)
  9. Community Bankers Association of Illinois4 reports
    $255K reported (all issues)
  10. Community Home Lenders of America (fka Community Mortgage Lenders of America)4 reports
    $96K reported (all issues)
  11. RKT HOLDINGS4 reports
    $1M reported (all issues)
  12. ROCK CENTRAL3 reports
    $1.5M reported (all issues)
  13. UNITED SERVICES AUTOMOBILE ASSOCIATION3 reports
    $1.6M reported (all issues)
  14. Mortgage Research Center, LLC2 reports
    $120K reported (all issues)
  15. AARP1 report
    $5.3M reported (all issues)
  16. Association of Independent Mortgage Experts1 report
    $80K reported (all issues)
  17. Broker Action Coalition (fka Association of Independent Mortgage Experts)1 report
    $80K reported (all issues)
  18. Freedom Mortgage Corporation1 report
    $80K reported (all issues)
  19. NATIONAL ASSOCIATION OF REALTORS1 report
    $22.8M reported (all issues)
  20. Primerica Life Insurance Company1 report
    $380K reported (all issues)
  21. WELLS FARGO AND COMPANY1 report
    $1.1M reported (all issues)

Reports filed in 2023, 2024, 2025.

Sources and method

Every figure on this page traces to these records.

  • Bill status: bills and resolutions, sponsors, actions, subjects and CRS summaries (U.S. Government Publishing Office (GovInfo), from Congress.gov (Library of Congress))GovInfo Bill Status bulk data (Congress.gov; summaries by the Congressional Research Service) · data current to Oct 7, 2026 · loaded Oct 7, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Members of Congress, their terms, committees and identifiers (The @unitedstates project (from the Biographical Directory of the U.S. Congress, the House and the Senate))unitedstates/congress-legislators: legislators, committees and current committee membership · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: CC0 1.0 (public domain dedication)
  • House roll-call votes (Office of the Clerk, U.S. House of Representatives)Office of the Clerk, U.S. House of Representatives, roll-call vote records · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Senate roll-call votes and DW-NOMINATE scores (Voteview (UCLA Department of Political Science))Lewis, Jeffrey B., Keith Poole, Howard Rosenthal, Adam Boche, Aaron Rudkin, and Luke Sonnet (2026). Voteview: Congressional Roll-Call Votes Database. https://voteview.com/ · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Free to use with the required citation
  • Lobbying disclosures (LD-1 registrations, LD-2 quarterly reports, LD-203 contribution reports) (Clerk of the U.S. House of Representatives)Clerk of the House, Lobbying Disclosure Act filings (organizations only; lobbyists' names are not loaded) · data current to Oct 7, 2026 · loaded Oct 7, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Positions are shown only where a roll call recorded them; voice votes and unanimous consent record none.
  • Money and votes are shown side by side; neither explains the other.