CommonHall

Jump to

  • PageFind my representativesFrom your address
  • PageBillsSearch and filter every bill
  • PageVotesEvery House and Senate roll call
  • PageMassachusettsLegislature and state bills
  • PageBostonCity Council, councilors, district map, meetings
  • PageBoston 311 and zoning311 requests by district, zoning hearings
  • PageBoston Capital PlanWhat the city plans to build, by project
  • PageDiscussionsHave your say

↑ ↓ to move · Enter to open · Esc to close

H.R. 2808 · 119th Congress

Homebuyers Privacy Protection Act

Introduced Apr 10, 2025Policy area: Finance and Financial SectorPublic Law 119-36

Read the textOn Congress.gov

Status: Became law

  1. Introduced
  2. Committee
  3. Passed House
  4. Passed Senate
  5. To President
  6. Law

Latest action

: Became Public Law No: 119-36.

Summary

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.

Summary by the Congressional Research Service.

Actions

  1. Became Public Law No: 119-36.

  2. Signed by President.

  3. House

    Presented to President.

  4. Senate

    Message on Senate action sent to the House.

  5. Senate

    Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522)

  6. Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.

  7. Senate

    Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104.

  8. House

    Motion to reconsider laid on the table Agreed to without objection.

  9. House

    On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)

  10. House

    DEBATE - The House proceeded with forty minutes of debate on H.R. 2808.

  11. House

    Considered under suspension of the rules. (consideration: CR H2876-2877)

  12. House

    Mr. Rose moved to suspend the rules and pass the bill, as amended.

Show 6 earlier actions
  1. House

    Placed on the Union Calendar, Calendar No. 133.

  2. House

    Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.

  3. House

    Ordered to be Reported (Amended) by the Yeas and Nays: 46 - 0.

  4. House

    Committee Consideration and Mark-up Session Held

  5. House

    Referred to the House Committee on Financial Services.

  6. Introduced in House