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HR 2808 · enacted · major

Homebuyers Privacy Protection Act

What this bill does

  • This bill restricts credit reporting agencies from sharing consumer credit reports with third parties during mortgage transactions without proper consent.
  • Homebuyers and mortgage lenders are affected by new requirements for documentation and authorization.
  • The restrictions take effect 180 days after the bill becomes law at no direct cost to the government.

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Community Threads

Started by Cosponsor

  1. 01

    How would restricting credit report sharing affect the speed and cost of mortgage approval processes for homebuyers?

  2. 02

    Which parties currently access credit reports during mortgage transactions, and how might consent requirements change their business practices?

  3. 03

    What evidence suggests that homebuyers lack adequate control over their credit data in mortgage lending today?

Cosponsor writes these to seed civic discussion — they aren't user posts. Sign in to reply.

Sponsor · R-TN-6

John W. Rose

Citizen cosponsors

0

In Congress

89/ 435

House Reps cosponsoring

Introduced 2025-09-05

Joining the bill

+ 77 more

Legislative timeline

  1. 2025-09-05 · President

    Became Public Law No: 119-36.

  2. 2025-09-05 · BecameLaw

    Became Public Law No: 119-36.

  3. 2025-09-05 · President

    Signed by President.

  4. 2025-09-05 · BecameLaw

    Signed by President.

  5. 2025-08-25 · house · Floor

    Presented to President.

  6. 2025-08-25 · President

    Presented to President.

  7. 2025-08-08 · senate · Floor

    Message on Senate action sent to the House.

  8. 2025-08-02 · senate · Floor

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

  9. 2025-08-02 · Floor

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

  10. 2025-06-24 · senate · Calendars

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

  11. 2025-06-23 · house · Floor

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

  12. 2025-06-23 · house · Floor

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

  13. 2025-06-23 · Floor

    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)

  14. 2025-06-23 · house · Floor

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

  15. 2025-06-23 · house · Floor

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

  16. 2025-06-23 · house · Floor

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

  17. 2025-06-20 · house · Calendars

    Placed on the Union Calendar, Calendar No. 133.

  18. 2025-06-20 · house · Committee

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

  19. 2025-06-20 · Committee

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

  20. 2025-06-10 · house · Committee

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

  21. 2025-06-10 · house · Committee

    Committee Consideration and Mark-up Session Held

  22. 2025-04-10 · house · IntroReferral

    Referred to the House Committee on Financial Services.

  23. 2025-04-10 · IntroReferral

    Introduced in House

  24. 2025-04-10 · IntroReferral

    Introduced in House

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