S 1467 · introduced · significant
Homebuyers Privacy Protection Act
- housing
What this bill does
- This bill restricts credit reporting agencies from sharing consumer credit reports with third parties during mortgage transactions without proper consent.
- Mortgage lenders, servicers, and other financial institutions that handle residential mortgage transactions are affected.
- The restrictions take effect 180 days after the bill becomes law and apply unless the third party has documented consent or an existing banking relationship.
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Community Threads
Started by Cosponsor
- 01
How would restricting credit report sharing affect mortgage lenders' ability to assess borrower risk and set interest rates?
- 02
Which third parties currently receive mortgage applicants' credit reports, and what services do they provide in the lending process?
- 03
What privacy harms is this bill designed to prevent, and how significant is the problem compared to current consent procedures?
Cosponsor writes these to seed civic discussion — they aren't user posts. Sign in to reply.
Sponsor · D-RI
Jack Reed
Citizen cosponsors
0
In Congress
45/ 100
Senators cosponsoring
Introduced 2025-06-17
Joining the bill
John Fetterman
D-PA · original
Michael F. Bennet
D-CO · original
Angela D. Alsobrooks
D-MD · original
Deb Fischer
R-NE · original
Katie Boyd Britt
R-AL · original
Mike Crapo
R-ID · original
Richard Blumenthal
D-CT · original
Shelley Moore Capito
R-WV · original
Tammy Baldwin
D-WI · original
Kevin Cramer
R-ND · original
Catherine Cortez Masto
D-NV · original
Ruben Gallego
D-AZ · original
+ 33 more
Legislative timeline
2025-06-17 · house · Floor
Held at the desk.
2025-06-17 · house · Floor
Received in the House.
2025-06-12 · senate · Floor
Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)
2025-06-12 · Floor
Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)
2025-06-12 · senate · Discharge
Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent. (consideration: CR S3395-3396)
2025-06-12 · Committee
Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.
2025-04-10 · senate · IntroReferral
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
2025-04-10 · IntroReferral
Introduced in Senate
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