H.R. 2808 · 119th Congress

Homebuyers Privacy Protection Act

Introduced on Apr 10, 2025 by John W. Rose (R-TN-6). 89 cosponsors, 33 of them from another party. Became Public Law 119-36.

Stage
Became law
Public Law 119-36
Introduced
Apr 10, 2025
Cosponsors
89
33 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. Passed both chambers
  5. Sent to the President
  6. Became law

Official title

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

By the Congressional Research Service (Public Law, Sep 5, 2025). Public domain.

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.

Sponsor and cosponsors

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

John W. RoseR-TN-6Sponsor

Democrats · 33

Independents · 1

Republicans · 55

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. Apr 10, 2025Introduced in House
  2. Apr 10, 2025Introduced in House
  3. Apr 10, 2025 · HouseReferred to the House Committee on Financial Services.
  4. Jun 10, 2025 · HouseCommittee Consideration and Mark-up Session Held
  5. Jun 10, 2025 · HouseOrdered to be Reported (Amended) by the Yeas and Nays: 46 - 0.
  6. Jun 20, 2025Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.
  7. Jun 20, 2025 · HouseReported (Amended) by the Committee on Financial Services. H. Rept. 119-166.
  8. Jun 20, 2025 · HousePlaced on the Union Calendar, Calendar No. 133.
  9. Jun 23, 2025 · HouseMr. Rose moved to suspend the rules and pass the bill, as amended.
  10. Jun 23, 2025 · HouseConsidered under suspension of the rules. (consideration: CR H2876-2877)
  11. Jun 23, 2025 · HouseDEBATE - The House proceeded with forty minutes of debate on H.R. 2808.
  12. 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)
  13. Jun 23, 2025 · HouseOn motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)
  14. Jun 23, 2025 · HouseMotion to reconsider laid on the table Agreed to without objection.
  15. Jun 24, 2025 · SenateReceived in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104.
  16. Aug 2, 2025Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.
  17. Aug 2, 2025 · SenatePassed Senate without amendment by Unanimous Consent. (consideration: CR S5522)
  18. Aug 8, 2025 · SenateMessage on Senate action sent to the House.
  19. Aug 25, 2025Presented to President.
  20. Aug 25, 2025 · HousePresented to President.
  21. Sep 5, 2025Signed by President.
  22. Sep 5, 2025Signed by President.
  23. Sep 5, 2025Became Public Law No: 119-36.
  24. Sep 5, 2025Became Public Law No: 119-36.

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. AARP5 reports
    $22.2M reported (all issues)
  2. CREDIT UNION NATIONAL ASSOCIATION, INC.5 reports
    $5.7M reported (all issues)
  3. EXPERIAN NORTH AMERICA, INC5 reports
    $1.9M reported (all issues)
  4. MORTGAGE BANKERS ASSOCIATION5 reports
    $3.6M reported (all issues)Federal contractor: MORTGAGE BANKERS ASSOCIATION$125K in contracts, FY2026AI match · 100%
  5. NATIONAL ASSOCIATION OF REALTORS5 reports
    $73M reported (all issues)
  6. RKT HOLDINGS5 reports
    $1M reported (all issues)
  7. INDEPENDENT COMMUNITY BANKERS OF AMERICA4 reports
    $5.7M reported (all issues)
  8. ROCKET LIMITED PARTNERSHIP3 reports
    $150K reported (all issues)
  9. Rocket LP3 reports
    $150K reported (all issues)
  10. UNITED SERVICES AUTOMOBILE ASSOCIATION3 reports
    $1.4M reported (all issues)
  11. American Bankers Association2 reports
    $4.1M reported (all issues)Federal contractor: AMERICAN BANKERS ASSOCIATIONAI match · 100%
  12. CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP2 reports
    $150K reported (all issues)
  13. Community Bankers Association of Illinois2 reports
    $130K reported (all issues)
  14. Rocket LP fka RKT HOLDINGS2 reports
    $1M reported (all issues)
  15. Trans Union LLC2 reports
    $1.2M reported (all issues)Federal contractor: TRANS UNION LLC$3.6M in contracts, FY2026AI match · 100%
  16. Americans for Financial Reform1 report
    $150K reported (all issues)
  17. BROKER ACTION COALITION1 report
    $80K reported (all issues)
  18. EQUIFAX INC.1 report
    $490K reported (all issues)Federal contractor: EQUIFAX INFORMATION SERVICES LLC$1.3M in contracts, FY2026AI match · 100%
  19. GOVERNMENT EMPLOYEES INSURANCE COMPANY1 report
    $110K reported (all issues)
  20. Primerica Life Insurance Company1 report
    $460K reported (all issues)
  21. Rocket LP (f/k/a RKT Holdings)1 report
    $50K reported (all issues)
  22. Rocket Limited Partnership fka RKT Holdings1 report
    $50K reported (all issues)

Reports filed in 2025, 2026.

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 3, 2026 · loaded Oct 3, 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 5, 2026 · loaded Oct 5, 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.