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119-hr-2808119th CongressWALLET

Homebuyers Privacy Protection Act

Sponsored By: Representative Rose, John W. [R-TN-6]

Became Law

Summary

Limits who can receive prescreening consumer reports for residential mortgage loans. This law narrows when consumer reporting agencies may share prescreening reports tied to home loans so those reports go only with a firm offer of credit and to recipients who are authorized or meet specific eligibility tests.

Show full summary
  • Homebuyers: Prescreening reports about your mortgage are allowed only if there is a firm offer of credit or you authorize the recipient.
  • Lenders and servicers: Originators and servicers of a consumer's current mortgage and insured depository institutions or credit unions that hold the consumer's account can receive prescreening reports without separate authorization.
  • Reporting agencies and oversight: The change is added to FCRA section 604(c) and takes effect 180 days after enactment. The law also directs the Government Accountability Office to study text-message trigger leads and report to Congress within 12 months.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Stronger privacy for mortgage shoppers

The law limits prescreened credit reports tied to a home loan. A credit bureau can share your report only for a firm offer of credit or insurance. The recipient must have your OK, or already be your mortgage lender or servicer, or be your bank or credit union and hold your account. This takes effect 180 days after enactment.

Sponsors & CoSponsors

Sponsor

Rose, John W. [R-TN-6]

TN • R

Cosponsors

  • Rep. Torres, Ritchie [D-NY-15]

    NY • D

    Sponsored 4/10/2025

  • Rep. Garbarino, Andrew R. [R-NY-2]

    NY • R

    Sponsored 4/10/2025

  • Rep. Nunn, Zachary [R-IA-3]

    IA • R

    Sponsored 4/10/2025

  • Rep. Amodei, Mark E. [R-NV-2]

    NV • R

    Sponsored 4/10/2025

  • Rep. Amo, Gabe [D-RI-1]

    RI • D

    Sponsored 4/10/2025

  • Rep. Neguse, Joe [D-CO-2]

    CO • D

    Sponsored 4/10/2025

  • Del. Norton, Eleanor Holmes [D-DC-At Large]

    DC • D

    Sponsored 4/10/2025

  • Rep. Ogles, Andrew [R-TN-5]

    TN • R

    Sponsored 4/10/2025

  • Rep. Steil, Bryan [R-WI-1]

    WI • R

    Sponsored 4/10/2025

  • Rep. Wittman, Robert J. [R-VA-1]

    VA • R

    Sponsored 4/10/2025

  • Rep. Lucas, Frank D. [R-OK-3]

    OK • R

    Sponsored 4/10/2025

  • Rep. Johnson, Dusty [R-SD-At Large]

    SD • R

    Sponsored 4/10/2025

  • Rep. Timmons, William R. [R-SC-4]

    SC • R

    Sponsored 4/10/2025

  • Rep. Bergman, Jack [R-MI-1]

    MI • R

    Sponsored 4/10/2025

  • Rep. Brownley, Julia [D-CA-26]

    CA • D

    Sponsored 4/10/2025

  • Rep. Suozzi, Thomas R. [D-NY-3]

    NY • D

    Sponsored 4/10/2025

  • Rep. Moolenaar, John R. [R-MI-2]

    MI • R

    Sponsored 4/10/2025

  • Rep. Cleaver, Emanuel [D-MO-5]

    MO • D

    Sponsored 4/10/2025

  • Rep. Bice, Stephanie I. [R-OK-5]

    OK • R

    Sponsored 4/10/2025

  • Rep. Fields, Cleo [D-LA-6]

    LA • D

    Sponsored 4/10/2025

  • Rep. Smith, Adrian [R-NE-3]

    NE • R

    Sponsored 4/10/2025

  • Rep. Franklin, Scott [R-FL-18]

    FL • R

    Sponsored 4/10/2025

  • Rep. Kustoff, David [R-TN-8]

    TN • R

    Sponsored 4/10/2025

  • Rep. Kelly, Trent [R-MS-1]

    MS • R

    Sponsored 4/10/2025

  • Rep. Pettersen, Brittany [D-CO-7]

    CO • D

    Sponsored 4/10/2025

  • Rep. Guest, Michael [R-MS-3]

    MS • R

    Sponsored 4/10/2025

  • Rep. Fitzpatrick, Brian K. [R-PA-1]

    PA • R

    Sponsored 4/10/2025

  • Rep. McClain, Lisa C. [R-MI-9]

    MI • R

    Sponsored 4/14/2025

  • Rep. Williams, Nikema [D-GA-5]

    GA • D

    Sponsored 4/14/2025

  • Rep. Beatty, Joyce [D-OH-3]

    OH • D

    Sponsored 4/17/2025

  • Rep. Crow, Jason [D-CO-6]

    CO • D

    Sponsored 4/17/2025

  • Rep. Thompson, Bennie G. [D-MS-2]

    MS • D

    Sponsored 4/17/2025

  • Rep. Ezell, Mike [R-MS-4]

    MS • R

    Sponsored 4/21/2025

  • Rep. De La Cruz, Monica [R-TX-15]

    TX • R

    Sponsored 4/28/2025

  • Rep. Flood, Mike [R-NE-1]

    NE • R

    Sponsored 4/28/2025

  • Rep. Meuser, Daniel [R-PA-9]

    PA • R

    Sponsored 4/28/2025

  • Rep. Hern, Kevin [R-OK-1]

    OK • R

    Sponsored 4/28/2025

  • Rep. Buchanan, Vern [R-FL-16]

    FL • R

    Sponsored 4/28/2025

  • Rep. Bishop, Sanford D. [D-GA-2]

    GA • D

    Sponsored 4/28/2025

  • Rep. Foster, Bill [D-IL-11]

    IL • D

    Sponsored 4/28/2025

  • Rep. Sherman, Brad [D-CA-32]

    CA • D

    Sponsored 4/28/2025

  • Rep. Rutherford, John H. [R-FL-5]

    FL • R

    Sponsored 4/29/2025

  • Rep. Alford, Mark [R-MO-4]

    MO • R

    Sponsored 4/29/2025

  • Rep. Mrvan, Frank J. [D-IN-1]

    IN • D

    Sponsored 4/29/2025

  • Rep. Grothman, Glenn [R-WI-6]

    WI • R

    Sponsored 4/29/2025

  • Rep. Moore, Tim [R-NC-14]

    NC • R

    Sponsored 4/30/2025

  • Rep. Haridopolos, Mike [R-FL-8]

    FL • R

    Sponsored 4/30/2025

  • Rep. Webster, Daniel [R-FL-11]

    FL • R

    Sponsored 4/30/2025

  • Rep. Case, Ed [D-HI-1]

    HI • D

    Sponsored 5/1/2025

  • Rep. Kiley, Kevin [I-CA-3]

    CA • I

    Sponsored 5/5/2025

  • Rep. Bacon, Don [R-NE-2]

    NE • R

    Sponsored 5/5/2025

  • Rep. Davidson, Warren [R-OH-8]

    OH • R

    Sponsored 5/7/2025

  • Rep. Finstad, Brad [R-MN-1]

    MN • R

    Sponsored 5/7/2025

  • Rep. Vindman, Eugene Simon [D-VA-7]

    VA • D

    Sponsored 5/7/2025

  • Rep. Golden, Jared F. [D-ME-2]

    ME • D

    Sponsored 5/7/2025

  • Rep. Huizenga, Bill [R-MI-4]

    MI • R

    Sponsored 5/7/2025

  • Rep. Donalds, Byron [R-FL-19]

    FL • R

    Sponsored 5/7/2025

  • Rep. Stutzman, Marlin A. [R-IN-3]

    IN • R

    Sponsored 5/7/2025

  • Rep. Mann, Tracey [R-KS-1]

    KS • R

    Sponsored 5/8/2025

  • Rep. Lawler, Michael [R-NY-17]

    NY • R

    Sponsored 5/13/2025

  • Rep. Burchett, Tim [R-TN-2]

    TN • R

    Sponsored 5/14/2025

  • Rep. Gottheimer, Josh [D-NJ-5]

    NJ • D

    Sponsored 5/15/2025

  • Rep. Velázquez, Nydia M. [D-NY-7]

    NY • D

    Sponsored 5/17/2025

  • Rep. Lynch, Stephen F. [D-MA-8]

    MA • D

    Sponsored 5/17/2025

  • Rep. Meeks, Gregory W. [D-NY-5]

    NY • D

    Sponsored 5/17/2025

  • Rep. McBride, Sarah [D-DE-At Large]

    DE • D

    Sponsored 5/17/2025

  • Rep. Schmidt, Derek [R-KS-2]

    KS • R

    Sponsored 5/17/2025

  • Rep. Cline, Ben [R-VA-6]

    VA • R

    Sponsored 5/19/2025

  • Rep. LaHood, Darin [R-IL-16]

    IL • R

    Sponsored 5/20/2025

  • Rep. Fleischmann, Charles J. "Chuck" [R-TN-3]

    TN • R

    Sponsored 5/21/2025

  • Rep. Fischbach, Michelle [R-MN-7]

    MN • R

    Sponsored 5/21/2025

  • Rep. Sorensen, Eric [D-IL-17]

    IL • D

    Sponsored 5/21/2025

  • Rep. Luna, Anna Paulina [R-FL-13]

    FL • R

    Sponsored 5/21/2025

  • Rep. Smucker, Lloyd [R-PA-11]

    PA • R

    Sponsored 5/21/2025

  • Rep. Craig, Angie [D-MN-2]

    MN • D

    Sponsored 5/23/2025

  • Rep. Barrett, Tom [R-MI-7]

    MI • R

    Sponsored 5/29/2025

  • Rep. Downing, Troy [R-MT-2]

    MT • R

    Sponsored 5/29/2025

  • Rep. Scott, David [D-GA-13]

    GA • D

    Sponsored 6/4/2025

  • Rep. Norman, Ralph [R-SC-5]

    SC • R

    Sponsored 6/5/2025

  • Rep. Bynum, Janelle S. [D-OR-5]

    OR • D

    Sponsored 6/5/2025

  • Rep. Ross, Deborah K. [D-NC-2]

    NC • D

    Sponsored 6/5/2025

  • Rep. Sessions, Pete [R-TX-17]

    TX • R

    Sponsored 6/9/2025

  • Rep. Liccardo, Sam T. [D-CA-16]

    CA • D

    Sponsored 6/10/2025

  • Rep. Tiffany, Thomas P. [R-WI-7]

    WI • R

    Sponsored 6/12/2025

  • Rep. Kiggans, Jennifer A. [R-VA-2]

    VA • R

    Sponsored 6/17/2025

  • Rep. Cloud, Michael [R-TX-27]

    TX • R

    Sponsored 6/17/2025

  • Rep. Kelly, Robin L. [D-IL-2]

    IL • D

    Sponsored 6/17/2025

  • Rep. Schneider, Bradley Scott [D-IL-10]

    IL • D

    Sponsored 6/20/2025

  • Rep. Hinson, Ashley [R-IA-2]

    IA • R

    Sponsored 6/20/2025

Roll Call Votes

No roll call votes available for this bill.

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