# 119-hr-2808: Homebuyers Privacy Protection Act

119-hr-2808, Homebuyers Privacy Protection Act, is a 119th Congress bill sponsored by Rep. Rose, John W. [R-TN-6] (R-TN); status became_law; PRIA reads it as touching household money (as of 2026-10-17).

- Canonical: https://policyrisk.com/legislation/119-hr-2808
- As of: 2026-10-17
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-2808
- Congress: 119
- Title: Homebuyers Privacy Protection Act
- Status: became_law
- Introduced: 2025-04-10
- Sponsor: Rep. Rose, John W. [R-TN-6] (R-TN)
- Cosponsors: 89
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-17

## 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. - 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.

## Cosponsors (89)

- Rep. Torres, Ritchie [D-NY-15] (D-NY), 2025-04-10T00:00:00.000Z
- Rep. Garbarino, Andrew R. [R-NY-2] (R-NY), 2025-04-10T00:00:00.000Z
- Rep. Nunn, Zachary [R-IA-3] (R-IA), 2025-04-10T00:00:00.000Z
- Rep. Amodei, Mark E. [R-NV-2] (R-NV), 2025-04-10T00:00:00.000Z
- Rep. Amo, Gabe [D-RI-1] (D-RI), 2025-04-10T00:00:00.000Z
- Rep. Neguse, Joe [D-CO-2] (D-CO), 2025-04-10T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2025-04-10T00:00:00.000Z
- Rep. Ogles, Andrew [R-TN-5] (R-TN), 2025-04-10T00:00:00.000Z
- Rep. Steil, Bryan [R-WI-1] (R-WI), 2025-04-10T00:00:00.000Z
- Rep. Wittman, Robert J. [R-VA-1] (R-VA), 2025-04-10T00:00:00.000Z
- Rep. Lucas, Frank D. [R-OK-3] (R-OK), 2025-04-10T00:00:00.000Z
- Rep. Johnson, Dusty [R-SD-At Large] (R-SD), 2025-04-10T00:00:00.000Z
- Rep. Timmons, William R. [R-SC-4] (R-SC), 2025-04-10T00:00:00.000Z
- Rep. Bergman, Jack [R-MI-1] (R-MI), 2025-04-10T00:00:00.000Z
- Rep. Brownley, Julia [D-CA-26] (D-CA), 2025-04-10T00:00:00.000Z
- Rep. Suozzi, Thomas R. [D-NY-3] (D-NY), 2025-04-10T00:00:00.000Z
- Rep. Moolenaar, John R. [R-MI-2] (R-MI), 2025-04-10T00:00:00.000Z
- Rep. Cleaver, Emanuel [D-MO-5] (D-MO), 2025-04-10T00:00:00.000Z
- Rep. Bice, Stephanie I. [R-OK-5] (R-OK), 2025-04-10T00:00:00.000Z
- Rep. Fields, Cleo [D-LA-6] (D-LA), 2025-04-10T00:00:00.000Z
- Rep. Smith, Adrian [R-NE-3] (R-NE), 2025-04-10T00:00:00.000Z
- Rep. Franklin, Scott [R-FL-18] (R-FL), 2025-04-10T00:00:00.000Z
- Rep. Kustoff, David [R-TN-8] (R-TN), 2025-04-10T00:00:00.000Z
- Rep. Kelly, Trent [R-MS-1] (R-MS), 2025-04-10T00:00:00.000Z
- Rep. Pettersen, Brittany [D-CO-7] (D-CO), 2025-04-10T00:00:00.000Z
- Rep. Guest, Michael [R-MS-3] (R-MS), 2025-04-10T00:00:00.000Z
- Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA), 2025-04-10T00:00:00.000Z
- Rep. McClain, Lisa C. [R-MI-9] (R-MI), 2025-04-14T00:00:00.000Z
- Rep. Williams, Nikema [D-GA-5] (D-GA), 2025-04-14T00:00:00.000Z
- Rep. Beatty, Joyce [D-OH-3] (D-OH), 2025-04-17T00:00:00.000Z
- Rep. Crow, Jason [D-CO-6] (D-CO), 2025-04-17T00:00:00.000Z
- Rep. Thompson, Bennie G. [D-MS-2] (D-MS), 2025-04-17T00:00:00.000Z
- Rep. Ezell, Mike [R-MS-4] (R-MS), 2025-04-21T00:00:00.000Z
- Rep. De La Cruz, Monica [R-TX-15] (R-TX), 2025-04-28T00:00:00.000Z
- Rep. Flood, Mike [R-NE-1] (R-NE), 2025-04-28T00:00:00.000Z
- Rep. Meuser, Daniel [R-PA-9] (R-PA), 2025-04-28T00:00:00.000Z
- Rep. Hern, Kevin [R-OK-1] (R-OK), 2025-04-28T00:00:00.000Z
- Rep. Buchanan, Vern [R-FL-16] (R-FL), 2025-04-28T00:00:00.000Z
- Rep. Bishop, Sanford D. [D-GA-2] (D-GA), 2025-04-28T00:00:00.000Z
- Rep. Foster, Bill [D-IL-11] (D-IL), 2025-04-28T00:00:00.000Z
- Rep. Sherman, Brad [D-CA-32] (D-CA), 2025-04-28T00:00:00.000Z
- Rep. Rutherford, John H. [R-FL-5] (R-FL), 2025-04-29T00:00:00.000Z
- Rep. Alford, Mark [R-MO-4] (R-MO), 2025-04-29T00:00:00.000Z
- Rep. Mrvan, Frank J. [D-IN-1] (D-IN), 2025-04-29T00:00:00.000Z
- Rep. Grothman, Glenn [R-WI-6] (R-WI), 2025-04-29T00:00:00.000Z
- Rep. Moore, Tim [R-NC-14] (R-NC), 2025-04-30T00:00:00.000Z
- Rep. Haridopolos, Mike [R-FL-8] (R-FL), 2025-04-30T00:00:00.000Z
- Rep. Webster, Daniel [R-FL-11] (R-FL), 2025-04-30T00:00:00.000Z
- Rep. Case, Ed [D-HI-1] (D-HI), 2025-05-01T00:00:00.000Z
- Rep. Kiley, Kevin [I-CA-3] (I-CA), 2025-05-05T00:00:00.000Z
- Rep. Bacon, Don [R-NE-2] (R-NE), 2025-05-05T00:00:00.000Z
- Rep. Davidson, Warren [R-OH-8] (R-OH), 2025-05-07T00:00:00.000Z
- Rep. Finstad, Brad [R-MN-1] (R-MN), 2025-05-07T00:00:00.000Z
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA), 2025-05-07T00:00:00.000Z
- Rep. Golden, Jared F. [D-ME-2] (D-ME), 2025-05-07T00:00:00.000Z
- Rep. Huizenga, Bill [R-MI-4] (R-MI), 2025-05-07T00:00:00.000Z
- Rep. Donalds, Byron [R-FL-19] (R-FL), 2025-05-07T00:00:00.000Z
- Rep. Stutzman, Marlin A. [R-IN-3] (R-IN), 2025-05-07T00:00:00.000Z
- Rep. Mann, Tracey [R-KS-1] (R-KS), 2025-05-08T00:00:00.000Z
- Rep. Lawler, Michael [R-NY-17] (R-NY), 2025-05-13T00:00:00.000Z
- Rep. Burchett, Tim [R-TN-2] (R-TN), 2025-05-14T00:00:00.000Z
- Rep. Gottheimer, Josh [D-NJ-5] (D-NJ), 2025-05-15T00:00:00.000Z
- Rep. Velázquez, Nydia M. [D-NY-7] (D-NY), 2025-05-17T00:00:00.000Z
- Rep. Lynch, Stephen F. [D-MA-8] (D-MA), 2025-05-17T00:00:00.000Z
- Rep. Meeks, Gregory W. [D-NY-5] (D-NY), 2025-05-17T00:00:00.000Z
- Rep. McBride, Sarah [D-DE-At Large] (D-DE), 2025-05-17T00:00:00.000Z
- Rep. Schmidt, Derek [R-KS-2] (R-KS), 2025-05-17T00:00:00.000Z
- Rep. Cline, Ben [R-VA-6] (R-VA), 2025-05-19T00:00:00.000Z
- Rep. LaHood, Darin [R-IL-16] (R-IL), 2025-05-20T00:00:00.000Z
- Rep. Fleischmann, Charles J. "Chuck" [R-TN-3] (R-TN), 2025-05-21T00:00:00.000Z
- Rep. Fischbach, Michelle [R-MN-7] (R-MN), 2025-05-21T00:00:00.000Z
- Rep. Sorensen, Eric [D-IL-17] (D-IL), 2025-05-21T00:00:00.000Z
- Rep. Luna, Anna Paulina [R-FL-13] (R-FL), 2025-05-21T00:00:00.000Z
- Rep. Smucker, Lloyd [R-PA-11] (R-PA), 2025-05-21T00:00:00.000Z
- Rep. Craig, Angie [D-MN-2] (D-MN), 2025-05-23T00:00:00.000Z
- Rep. Barrett, Tom [R-MI-7] (R-MI), 2025-05-29T00:00:00.000Z
- Rep. Downing, Troy [R-MT-2] (R-MT), 2025-05-29T00:00:00.000Z
- Rep. Scott, David [D-GA-13] (D-GA), 2025-06-04T00:00:00.000Z
- Rep. Norman, Ralph [R-SC-5] (R-SC), 2025-06-05T00:00:00.000Z
- Rep. Bynum, Janelle S. [D-OR-5] (D-OR), 2025-06-05T00:00:00.000Z
- Rep. Ross, Deborah K. [D-NC-2] (D-NC), 2025-06-05T00:00:00.000Z
- Rep. Sessions, Pete [R-TX-17] (R-TX), 2025-06-09T00:00:00.000Z
- Rep. Liccardo, Sam T. [D-CA-16] (D-CA), 2025-06-10T00:00:00.000Z
- Rep. Tiffany, Thomas P. [R-WI-7] (R-WI), 2025-06-12T00:00:00.000Z
- Rep. Kiggans, Jennifer A. [R-VA-2] (R-VA), 2025-06-17T00:00:00.000Z
- Rep. Cloud, Michael [R-TX-27] (R-TX), 2025-06-17T00:00:00.000Z
- Rep. Kelly, Robin L. [D-IL-2] (D-IL), 2025-06-17T00:00:00.000Z
- Rep. Schneider, Bradley Scott [D-IL-10] (D-IL), 2025-06-20T00:00:00.000Z
- Rep. Hinson, Ashley [R-IA-2] (R-IA), 2025-06-20T00:00:00.000Z

## Provisions PRIA read

- Stronger privacy for mortgage shoppers: benefit, low. 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 effec…

## Related bills

- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act
- 119-hr-909: Crime Victims Fund Stabilization Act of 2025
- 119-hr-4382: America’s Olympic and Paralympic Games Commemorative Coins Act
- 119-hr-452: Miracle on Ice Congressional Gold Medal Act
- 119-hr-1628: 761st Tank Battalion Congressional Gold Medal Act
- 119-hr-1422: Enhanced Iran Sanctions Act of 2025

## Sources
- [119-hr-2808 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/2808)

## Related
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [119-hr-909: Crime Victims Fund Stabilization Act of 2025](https://policyrisk.com/legislation/119-hr-909)
- [119-hr-4382: America’s Olympic and Paralympic Games Commemorative Coins Act](https://policyrisk.com/legislation/119-hr-4382)
- [119-hr-452: Miracle on Ice Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-452)
- [119-hr-1628: 761st Tank Battalion Congressional Gold Medal Act](https://policyrisk.com/legislation/119-hr-1628)
- [119-hr-1422: Enhanced Iran Sanctions Act of 2025](https://policyrisk.com/legislation/119-hr-1422)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-2808 (as of 2026-10-17).