Homebuyers Privacy Protection Act

House Bill

H.R. 2808

119th Congress

Homebuyers Privacy Protection Act

Became Public Law No: 119-36.

Introduced:Apr 10, 2025

Primary Sponsor

Guy Reschenthaler

Representative

Republican

PA-14

Cosponsors

89

Quick Stats

Policy Area

Finance and Financial Sector

Summary

This bill restricts when credit reporting agencies can share consumer credit reports with third parties for mortgage transactions. Third parties must have consumer consent, be a current mortgage servicer, have originated a mortgage for the consumer, or have an existing banking relationship.

Latest Action

Became Public Law No: 119-36.

SponsorGuy Reschenthaler (R-PA)

Introduced4/10/2025

StatusBecame Public Law No: 119-36.

ChamberHouse

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Vote Prediction

Homebuyers Privacy Protection Act

This bill restricts when credit reporting agencies can share consumer credit reports with third parties for mortgage transactions. Third parties must have consumer consent, be a current mortgage servicer, have originated a mortgage for the consumer, or have an

Community Breakdown

Pass

0%

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0 predictions

This bill restricts when credit reporting agencies can share consumer credit reports with third parties for mortgage transactions. Third parties must have consumer consent, be a current mortgage servicer, have originated a mortgage for the consumer, or have an existing banking relationship.

Bill Number: 2808
Sponsor: Guy Reschenthaler (R-PA)
Introduced: 4/10/2025
Status: Became Public Law No: 119-36.
Policy Area: Finance and Financial Sector

Data from Congress.gov

AI-generated summary

Fact Sheet

Title: Homebuyers Privacy Protection Act
Bill Number: 2808
Sponsor: Guy Reschenthaler (R-PA)
Status: Became Public Law No: 119-36.
Introduced: 4/10/2025
Summary: This bill restricts when credit reporting agencies can share consumer credit reports with third parties for mortgage transactions. Third parties must have consumer consent, be a current mortgage servicer, have originated a mortgage for the consumer, or have an existing banking relationship.

Data from Congress.gov

AI Summary

Plain-English explanation of this bill

This bill restricts when credit reporting agencies can share consumer credit reports with third parties for mortgage transactions. Third parties must have consumer consent, be a current mortgage servicer, have originated a mortgage for the consumer, or have an existing banking relationship.

Last updated: 1/5/2026

Official Summary

Congressional Research Service summary

Homebuyers Privacy Protection ActThis bill limits the circumstances in which credit reporting agencies may provide consumer credit reports to third parties in connection with residential mortgage transactions. Specifically, the bill 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 the bill's enactment.

Key Points

Main provisions of the bill

Limits sharing of credit reports for mortgage transactions
Requires consumer consent or existing relationship
Protects against trigger leads and unsolicited offers
Applies to credit reporting agencies
Takes effect 180 days after enactment

How This Impacts Americans

Potential effects on citizens and communities

Homebuyers would have more privacy protection from having their credit information shared with third parties seeking to make unsolicited mortgage offers. This addresses trigger leads where credit inquiries result in floods of competing offers.

Policy Areas

Primary Policy Area

Finance and Financial Sector

Related Subjects

Consumer credit

Financial services and investments

Housing finance and home ownership

Real estate business

Right of privacy

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

2808, 119th Congress (2025). "Homebuyers Privacy Protection Act". Source: Voter's Right Platform. https://votersright.org/bills/118-hr-2808

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