WHAT THE LAW DOINCongress, in plain words

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

Homebuyers Privacy Protection Act

Became lawFinance and Financial Sector
IntroducedApr 10, 2025
Passed HouseJun 23, 2025
Passed SenateAug 2, 2025
To PresidentAug 25, 2025
Became lawSep 5, 2025

How this bill changes the law

Sourced

H.R. 2808 changed 1 section of existing law, and created 1 new provision of its own. Read from the bill text in its final form, as sent to the President.

15 U.S.C. 1681b Permissible purposes of consumer reports

  • (c) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer added to · Sec. 2(a) · see the words

New provisions of the bill's own

  • Sec. 4 GAO study
What the words changed: every change, in place (1)

Today's wording of each part of the law, with what was struck out and added. Each change also gives the bill's own instruction, word for word.

  1. 15 U.S.C. 1681b(c)added (4)by H.R. 2808 Sec. 2(a)

    (4) Treatment of prescreening report requests.—(A) Definitions.— In this paragraph:(i) Credit union.— The term "credit union" means a Federal credit union or a State credit union, as those terms are defined, respectively, in section 101 of the Federal Credit Union Act (12 U.S.C. 1752).(ii) Insured depository institution.— The term "insured depository institution" has the meaning given the term in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813(c)).(iii) Residential mortgage loan.— The term "residential mortgage loan" has the meaning given the term in section 1503 of the S.A.F.E. Mortgage Licensing Act of 2008 (12 U.S.C. 5102).(iv) Servicer.— The term "servicer" has the meaning given the term in section 6(i) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2605(i)).(B) Limitation.— If a person requests a consumer report from a consumer reporting agency in connection with a credit transaction involving a residential mortgage loan, that agency may not, based in whole or in part on that request, furnish a consumer report to another person under this subsection unless—(i) the transaction consists of a firm offer of credit or insurance; and(ii) that other person—(I) has submitted documentation to that agency certifying that such other person has, pursuant to paragraph (1)(A), the authorization of the consumer to whom the consumer report relates; or(II)(aa) has originated a current residential mortgage loan of the consumer to whom the consumer report relates;(bb) is the servicer of a current residential mortgage loan of the consumer to whom the consumer report relates; or(cc)(AA) is an insured depository institution or credit union; and(BB) holds a current account for the consumer to whom the consumer report relates.

    The bill says: Section 604(c) of the Fair Credit Reporting Act (15 U.S.C. 1681b(c)) is amended by adding at the end the following:

    Bill text · Current law (15 U.S.C. 1681b)

From the bill's official text on GovInfo and the U.S. Code, 2024 edition, which may not yet show changes made since.

What it does

Sourced

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.

Official summary by the Congressional Research Service (Public Law, Sep 5, 2025).

Our plain-language breakdown, with what it means for you and the case for and against, is written once a bill starts to move.

What has happened

Sourced
  1. 2025-09-05Became Public Law No: 119-36.Library of Congress
  2. 2025-09-05Became Public Law No: 119-36.Library of Congress
  3. 2025-09-05Signed by President.Library of Congress
  4. 2025-09-05Signed by President.Library of Congress
  5. 2025-08-25Presented to President.House floor actions
  6. 2025-08-25Presented to President.Library of Congress
  7. 2025-08-08Message on Senate action sent to the House.Senate
  8. 2025-08-02Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522)Senate
  9. 2025-08-02Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.Library of Congress
  10. 2025-06-24Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104.Senate
  11. 2025-06-23Motion to reconsider laid on the table Agreed to without objection.House floor actions
  12. 2025-06-23On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)House floor actions
  13. 2025-06-23Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)Library of Congress
  14. 2025-06-23DEBATE - The House proceeded with forty minutes of debate on H.R. 2808.House floor actions
  15. 2025-06-23Considered under suspension of the rules. (consideration: CR H2876-2877)House floor actions
  16. 2025-06-23Mr. Rose moved to suspend the rules and pass the bill, as amended.House floor actions
  17. 2025-06-20Placed on the Union Calendar, Calendar No. 133.House floor actions
  18. 2025-06-20Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.House floor actions
  19. 2025-06-20Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.Library of Congress
  20. 2025-06-10Ordered to be Reported (Amended) by the Yeas and Nays: 46 - 0.House committee actions
  21. 2025-06-10Committee Consideration and Mark-up Session HeldHouse committee actions
  22. 2025-04-10Referred to the House Committee on Financial Services.House floor actions
  23. 2025-04-10Introduced in HouseLibrary of Congress
  24. 2025-04-10Introduced in HouseLibrary of Congress

Show key steps only

After it became law

Sourced

Nothing in the Federal Register names Public Law 119-36 yet (checked Oct 27, 2026). Many laws need no new rules: they set penalties, name a building, or fund something directly.

Cosponsors

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