Homebuyers Privacy Protection Act (S. 1467)
IntroducedLatest Action
Held at the desk.
6/17/2025 • House
Summary
Homebuyers Privacy Protection Act
This 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.
Passed Senate • 6/12/2025
Topics & Subjects
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Related Federal Spending
Sponsor & Cosponsors (46)
Party Breakdown
Sponsor
Cosponsors (45)
Bill Journey
Originated in the Senate
Introduced
April 10, 2025
Committee Review
June 12, 2025
Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent. (consideration: CR S3395-3396)
Floor Debate
June 12, 2025
Passed Chamber
Other Chamber
June 17, 2025
President
Enacted into Law