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H.R. 2808 · 119th Congress · Public Law 119-36

Homebuyers Privacy Protection Act

4 sections in the law; 1 added after the bill was introduced.

Signed September 5, 2025 · Introduced April 10, 2025 in the House

Sponsor: Rep. John Rose (R-TN-6) · 89 cosponsors (33 D, 56 R)

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Our check

Grade: Pending review

Not checked yet. No section of this law gets a verdict until a person approves the check.

Grade = share of sections a reviewed check found not described by the bill’s title or summary: Prime Cut 0%, Lean up to 5%, Marbled up to 20%, Pork Barrel over 20%. Pending review until a person has approved the check. How we decide

X-ray · every section, in order

  1. Sec. 1 Short title, in the bill as introduced
  2. Sec. 2 Treatment of prescreening report requests, in the bill as introduced
  3. Sec. 3 Effective date, in the bill as introduced
  4. Sec. 4 GAO study, added in Reported in House

The yardstick

What the law says it does

A check compares every section with these texts, and nothing else.

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.

Official summary (Congressional Research Service) · as public law

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.

How it grew

1 section added after the bill was introduced

The bill had 3 sections when it was introduced. A section counts as added when it can’t be traced to the introduced text through the earlier versions and no introduced section has the same heading. Being added says nothing about whether a section is good or bad, or why it was added.

  1. Sec. 4GAO studyFirst appears in: Reported in House

How it became law

  1. IntroducedApr 10
  2. CommitteeJun 10
  3. HouseJun 23
  4. SenateAug 2
  5. SignedSep 5

As introduced: To amend the Fair Credit Reporting Act to prevent consumer reporting agencies from furnishing consumer reports under certain circumstances, and for other purposes.

Key steps, cosponsors and text changes (43)

  1. Sponsor

    Rep. John Rose (R-TN)

  2. Original cosponsors

    Del. Eleanor Norton (D-DC), Rep. Adrian Smith (R-NE), Rep. Andrew Garbarino (R-NY), Rep. Andrew Ogles (R-TN), Rep. Brian Fitzpatrick (R-PA), Rep. Brittany Pettersen (D-CO), Rep. Bryan Steil (R-WI), Rep. Cleo Fields (D-LA), Rep. David Kustoff (R-TN), Rep. Dusty Johnson (R-SD), Rep. Emanuel Cleaver (D-MO), Rep. Frank Lucas (R-OK), Rep. Gabe Amo (D-RI), Rep. Jack Bergman (R-MI), Rep. Joe Neguse (D-CO), Rep. John Moolenaar (R-MI), Rep. Julia Brownley (D-CA), Rep. Mark Amodei (R-NV), Rep. Michael Guest (R-MS), Rep. Ritchie Torres (D-NY), Rep. Robert Wittman (R-VA), Rep. Scott Franklin (R-FL), Rep. Stephanie Bice (R-OK), Rep. Thomas Suozzi (D-NY), Rep. Trent Kelly (R-MS), Rep. William Timmons (R-SC), Rep. Zachary Nunn (R-IA)

  3. HouseReferred to the House Committee on Financial Services.

  4. Introduced in House

  5. Text: Introduced in House

    3 sections

  6. Cosponsors joined

    Rep. Lisa McClain (R-MI), Rep. Nikema Williams (D-GA)

  7. Cosponsors joined

    Rep. Bennie Thompson (D-MS), Rep. Jason Crow (D-CO), Rep. Joyce Beatty (D-OH)

  8. Cosponsor joined

    Rep. Mike Ezell (R-MS)

  9. Cosponsors joined

    Rep. Bill Foster (D-IL), Rep. Brad Sherman (D-CA), Rep. Daniel Meuser (R-PA), Rep. Kevin Hern (R-OK), Rep. Mike Flood (R-NE), Rep. Monica De La Cruz (R-TX), Rep. Sanford Bishop (D-GA), Rep. Vern Buchanan (R-FL)

  10. Cosponsors joined

    Rep. Frank Mrvan (D-IN), Rep. Glenn Grothman (R-WI), Rep. John Rutherford (R-FL), Rep. Mark Alford (R-MO)

  11. Cosponsors joined

    Rep. Daniel Webster (R-FL), Rep. Mike Haridopolos (R-FL), Rep. Tim Moore (R-NC)

  12. Cosponsor joined

    Rep. Ed Case (D-HI)

  13. Cosponsors joined

    Rep. Don Bacon (R-NE), Rep. Kevin Kiley (R-CA)

  14. Cosponsors joined

    Rep. Bill Huizenga (R-MI), Rep. Brad Finstad (R-MN), Rep. Byron Donalds (R-FL), Rep. Eugene Vindman (D-VA), Rep. Jared Golden (D-ME), Rep. Marlin Stutzman (R-IN), Rep. Warren Davidson (R-OH)

  15. Cosponsor joined

    Rep. Tracey Mann (R-KS)

  16. Cosponsor joined

    Rep. Michael Lawler (R-NY)

  17. Cosponsor joined

    Rep. Tim Burchett (R-TN)

  18. Cosponsor joined

    Rep. Josh Gottheimer (D-NJ)

  19. Cosponsors joined

    Rep. Derek Schmidt (R-KS), Rep. Gregory Meeks (D-NY), Rep. Nydia Velázquez (D-NY), Rep. Sarah McBride (D-DE), Rep. Stephen Lynch (D-MA)

  20. Cosponsor joined

    Rep. Ben Cline (R-VA)

  21. Cosponsor joined

    Rep. Darin LaHood (R-IL)

  22. Cosponsors joined

    Rep. Anna Luna (R-FL), Rep. Charles Fleischmann (R-TN), Rep. Eric Sorensen (D-IL), Rep. Lloyd Smucker (R-PA), Rep. Michelle Fischbach (R-MN)

  23. Cosponsor joined

    Rep. Angie Craig (D-MN)

  24. Cosponsors joined

    Rep. Tom Barrett (R-MI), Rep. Troy Downing (R-MT)

  25. Cosponsor joined

    Rep. David Scott (D-GA)

  26. Cosponsors joined

    Rep. Deborah Ross (D-NC), Rep. Janelle Bynum (D-OR), Rep. Ralph Norman (R-SC)

  27. Cosponsor joined

    Rep. Pete Sessions (R-TX)

  28. Cosponsor joined

    Rep. Sam Liccardo (D-CA)

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

  30. Cosponsor joined

    Rep. Thomas Tiffany (R-WI)

  31. Cosponsors joined

    Rep. Jennifer Kiggans (R-VA), Rep. Michael Cloud (R-TX), Rep. Robin Kelly (D-IL)

  32. Cosponsors joined

    Rep. Ashley Hinson (R-IA), Rep. Bradley Schneider (D-IL)

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

  34. Text: Reported in House

    4 sections: 1 added, 1 reworded

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

  36. Text: Engrossed in House

    4 sections, no changes

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

  38. Text: Placed on Calendar Senate

    4 sections, no changes

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

  40. HousePresented to President.

  41. Text: Enrolled Bill

    4 sections, no changes

  42. Became Public Law No: 119-36.

  43. Signed by President.

Show every recorded step (47)

  1. Sponsor

    Rep. John Rose (R-TN)

  2. Original cosponsors

    Del. Eleanor Norton (D-DC), Rep. Adrian Smith (R-NE), Rep. Andrew Garbarino (R-NY), Rep. Andrew Ogles (R-TN), Rep. Brian Fitzpatrick (R-PA), Rep. Brittany Pettersen (D-CO), Rep. Bryan Steil (R-WI), Rep. Cleo Fields (D-LA), Rep. David Kustoff (R-TN), Rep. Dusty Johnson (R-SD), Rep. Emanuel Cleaver (D-MO), Rep. Frank Lucas (R-OK), Rep. Gabe Amo (D-RI), Rep. Jack Bergman (R-MI), Rep. Joe Neguse (D-CO), Rep. John Moolenaar (R-MI), Rep. Julia Brownley (D-CA), Rep. Mark Amodei (R-NV), Rep. Michael Guest (R-MS), Rep. Ritchie Torres (D-NY), Rep. Robert Wittman (R-VA), Rep. Scott Franklin (R-FL), Rep. Stephanie Bice (R-OK), Rep. Thomas Suozzi (D-NY), Rep. Trent Kelly (R-MS), Rep. William Timmons (R-SC), Rep. Zachary Nunn (R-IA)

  3. HouseReferred to the House Committee on Financial Services.

  4. Introduced in House

  5. Text: Introduced in House

    3 sections

  6. Cosponsors joined

    Rep. Lisa McClain (R-MI), Rep. Nikema Williams (D-GA)

  7. Cosponsors joined

    Rep. Bennie Thompson (D-MS), Rep. Jason Crow (D-CO), Rep. Joyce Beatty (D-OH)

  8. Cosponsor joined

    Rep. Mike Ezell (R-MS)

  9. Cosponsors joined

    Rep. Bill Foster (D-IL), Rep. Brad Sherman (D-CA), Rep. Daniel Meuser (R-PA), Rep. Kevin Hern (R-OK), Rep. Mike Flood (R-NE), Rep. Monica De La Cruz (R-TX), Rep. Sanford Bishop (D-GA), Rep. Vern Buchanan (R-FL)

  10. Cosponsors joined

    Rep. Frank Mrvan (D-IN), Rep. Glenn Grothman (R-WI), Rep. John Rutherford (R-FL), Rep. Mark Alford (R-MO)

  11. Cosponsors joined

    Rep. Daniel Webster (R-FL), Rep. Mike Haridopolos (R-FL), Rep. Tim Moore (R-NC)

  12. Cosponsor joined

    Rep. Ed Case (D-HI)

  13. Cosponsors joined

    Rep. Don Bacon (R-NE), Rep. Kevin Kiley (R-CA)

  14. Cosponsors joined

    Rep. Bill Huizenga (R-MI), Rep. Brad Finstad (R-MN), Rep. Byron Donalds (R-FL), Rep. Eugene Vindman (D-VA), Rep. Jared Golden (D-ME), Rep. Marlin Stutzman (R-IN), Rep. Warren Davidson (R-OH)

  15. Cosponsor joined

    Rep. Tracey Mann (R-KS)

  16. Cosponsor joined

    Rep. Michael Lawler (R-NY)

  17. Cosponsor joined

    Rep. Tim Burchett (R-TN)

  18. Cosponsor joined

    Rep. Josh Gottheimer (D-NJ)

  19. Cosponsors joined

    Rep. Derek Schmidt (R-KS), Rep. Gregory Meeks (D-NY), Rep. Nydia Velázquez (D-NY), Rep. Sarah McBride (D-DE), Rep. Stephen Lynch (D-MA)

  20. Cosponsor joined

    Rep. Ben Cline (R-VA)

  21. Cosponsor joined

    Rep. Darin LaHood (R-IL)

  22. Cosponsors joined

    Rep. Anna Luna (R-FL), Rep. Charles Fleischmann (R-TN), Rep. Eric Sorensen (D-IL), Rep. Lloyd Smucker (R-PA), Rep. Michelle Fischbach (R-MN)

  23. Cosponsor joined

    Rep. Angie Craig (D-MN)

  24. Cosponsors joined

    Rep. Tom Barrett (R-MI), Rep. Troy Downing (R-MT)

  25. Cosponsor joined

    Rep. David Scott (D-GA)

  26. Cosponsors joined

    Rep. Deborah Ross (D-NC), Rep. Janelle Bynum (D-OR), Rep. Ralph Norman (R-SC)

  27. Cosponsor joined

    Rep. Pete Sessions (R-TX)

  28. Cosponsor joined

    Rep. Sam Liccardo (D-CA)

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

  30. HouseCommittee Consideration and Mark-up Session Held

  31. Cosponsor joined

    Rep. Thomas Tiffany (R-WI)

  32. Cosponsors joined

    Rep. Jennifer Kiggans (R-VA), Rep. Michael Cloud (R-TX), Rep. Robin Kelly (D-IL)

  33. Cosponsors joined

    Rep. Ashley Hinson (R-IA), Rep. Bradley Schneider (D-IL)

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

  35. Text: Reported in House

    4 sections: 1 added, 1 reworded

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

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

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

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

  40. Text: Engrossed in House

    4 sections, no changes

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

  42. Text: Placed on Calendar Senate

    4 sections, no changes

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

  44. HousePresented to President.

  45. Text: Enrolled Bill

    4 sections, no changes

  46. Became Public Law No: 119-36.

  47. Signed by President.

Source: GovInfo bill status and text versions. 89 cosponsors.

Every section

All 4 sections, in order

From the enrolled bill text on GovInfo. Read any section in full on Congress.gov.

  1. Sec. 1Short title
  2. Sec. 2Treatment of prescreening report requests
  3. Sec. 3Effective date
  4. Sec. 4GAO studyAdded in: Reported in House

Sponsor and cosponsors

Show all 90 members, by last name

Sponsor: Rep. John Rose (R-TN-6)

  • Rep. Mark Alford (R-MO-4)
  • Rep. Gabe Amo (D-RI-1)
  • Rep. Mark Amodei (R-NV-2)
  • Rep. Don Bacon (R-NE-2)
  • Rep. Tom Barrett (R-MI-7)
  • Rep. Joyce Beatty (D-OH-3)
  • Rep. Jack Bergman (R-MI-1)
  • Rep. Stephanie Bice (R-OK-5)
  • Rep. Sanford Bishop (D-GA-2)
  • Rep. Julia Brownley (D-CA-26)
  • Rep. Vern Buchanan (R-FL-16)
  • Rep. Tim Burchett (R-TN-2)
  • Rep. Janelle Bynum (D-OR-5)
  • Rep. Ed Case (D-HI-1)
  • Rep. Emanuel Cleaver (D-MO-5)
  • Rep. Ben Cline (R-VA-6)
  • Rep. Michael Cloud (R-TX-27)
  • Rep. Angie Craig (D-MN-2)
  • Rep. Jason Crow (D-CO-6)
  • Rep. Warren Davidson (R-OH-8)
  • Rep. Monica De La Cruz (R-TX-15)
  • Rep. Byron Donalds (R-FL-19)
  • Rep. Troy Downing (R-MT-2)
  • Rep. Mike Ezell (R-MS-4)
  • Rep. CLEO FIELDS (D-LA-6)
  • Rep. Brad Finstad (R-MN-1)
  • Rep. Michelle Fischbach (R-MN-7)
  • Rep. Brian Fitzpatrick (R-PA-1)
  • Rep. Charles Fleischmann (R-TN-3)
  • Rep. Mike Flood (R-NE-1)
  • Rep. Bill Foster (D-IL-11)
  • Rep. Scott Franklin (R-FL-18)
  • Rep. Andrew Garbarino (R-NY-2)
  • Rep. Jared Golden (D-ME-2)
  • Rep. Josh Gottheimer (D-NJ-5)
  • Rep. Glenn Grothman (R-WI-6)
  • Rep. Michael Guest (R-MS-3)
  • Rep. Mike Haridopolos (R-FL-8)
  • Rep. Kevin Hern (R-OK-1)
  • Rep. Ashley Hinson (R-IA-2)
  • Rep. Bill Huizenga (R-MI-4)
  • Rep. Dusty Johnson (R-SD-0)
  • Rep. Robin Kelly (D-IL-2)
  • Rep. Trent Kelly (R-MS-1)
  • Rep. Jennifer Kiggans (R-VA-2)
  • Rep. Kevin Kiley (R-CA-3)
  • Rep. David Kustoff (R-TN-8)
  • Rep. Darin LaHood (R-IL-16)
  • Rep. Michael Lawler (R-NY-17)
  • Rep. Sam Liccardo (D-CA-16)
  • Rep. Frank Lucas (R-OK-3)
  • Rep. Anna Paulina Luna (R-FL-13)
  • Rep. Stephen Lynch (D-MA-8)
  • Rep. Tracey Mann (R-KS-1)
  • Rep. Sarah McBride (D-DE-0)
  • Rep. Lisa McClain (R-MI-9)
  • Rep. Gregory Meeks (D-NY-5)
  • Rep. Daniel Meuser (R-PA-9)
  • Rep. John Moolenaar (R-MI-2)
  • Rep. Tim Moore (R-NC-14)
  • Rep. Frank Mrvan (D-IN-1)
  • Rep. Joe Neguse (D-CO-2)
  • Rep. Ralph Norman (R-SC-5)
  • Del. Eleanor Norton (D-DC-0)
  • Rep. Zachary Nunn (R-IA-3)
  • Rep. Andrew Ogles (R-TN-5)
  • Rep. Brittany Pettersen (D-CO-7)
  • Rep. Deborah Ross (D-NC-2)
  • Rep. John Rutherford (R-FL-5)
  • Rep. Derek Schmidt (R-KS-2)
  • Rep. Bradley Schneider (D-IL-10)
  • Rep. David Scott (D-GA-13)
  • Rep. Pete Sessions (R-TX-17)
  • Rep. Brad Sherman (D-CA-32)
  • Rep. Adrian Smith (R-NE-3)
  • Rep. Lloyd Smucker (R-PA-11)
  • Rep. Eric Sorensen (D-IL-17)
  • Rep. Bryan Steil (R-WI-1)
  • Rep. Marlin Stutzman (R-IN-3)
  • Rep. Thomas Suozzi (D-NY-3)
  • Rep. Bennie Thompson (D-MS-2)
  • Rep. Thomas Tiffany (R-WI-7)
  • Rep. William Timmons (R-SC-4)
  • Rep. Ritchie Torres (D-NY-15)
  • Rep. Nydia Velázquez (D-NY-7)
  • Rep. Eugene Vindman (D-VA-7)
  • Rep. Daniel Webster (R-FL-11)
  • Rep. Nikema Williams (D-GA-5)
  • Rep. Robert Wittman (R-VA-1)
Share card: Homebuyers Privacy Protection Act, 4 sections in the law; 1 added after the bill was introduced.

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Sources: bill text and status, GovInfo (Enrolled Bill) · Official summary, Congressional Research Service · Congress.gov, as of November 1, 2026. US government works are in the public domain · This bill on Congress.gov (opens in new tab)