# 119-s-1467: Homebuyers Privacy Protection Act

119-s-1467, Homebuyers Privacy Protection Act, is a 119th Congress bill sponsored by Sen. Reed, Jack [D-RI] (D-RI); status passed_senate; PRIA reads it as touching household money (as of 2026-07-25).

- Canonical: https://policyrisk.com/legislation/119-s-1467
- As of: 2026-07-25
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-1467
- Congress: 119
- Title: Homebuyers Privacy Protection Act
- Status: passed_senate
- Introduced: 2025-04-10
- Sponsor: Sen. Reed, Jack [D-RI] (D-RI)
- Cosponsors: 45
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-07-25

## Summary

**Limits sharing of prescreened credit reports for mortgage-related checks to protect homebuyers' privacy.** This bill would stop consumer reporting agencies from furnishing prescreen reports in connection with residential mortgage loans unless the recipient has a firm offer, has the consumer's authorization, originated or currently services the consumer's mortgage, or is an insured depository institution or credit union that holds the consumer's account. It would take effect 180 days after enactment. - Families and homebuyers: Fewer unsolicited mortgage-related prescreened credit checks and less automatic sharing of your consumer report with third parties. - Lenders, servicers, and banks: Originators, servicers, insured depository institutions, and credit unions that hold a consumer's account can still receive prescreen reports under the listed conditions. - Consumer reporting agencies: Must withhold prescreen consumer reports for residential mortgage transactions unless the narrow statutory conditions are met.

## Cosponsors (45)

- Sen. Hagerty, Bill [R-TN] (R-TN), 2025-04-10T00:00:00.000Z
- Sen. Van Hollen, Chris [D-MD] (D-MD), 2025-04-10T00:00:00.000Z
- Sen. Tillis, Thomas [R-NC] (R-NC), 2025-04-10T00:00:00.000Z
- Sen. Cortez Masto, Catherine [D-NV] (D-NV), 2025-04-10T00:00:00.000Z
- Sen. Cramer, Kevin [R-ND] (R-ND), 2025-04-10T00:00:00.000Z
- Sen. Smith, Tina [D-MN] (D-MN), 2025-04-10T00:00:00.000Z
- Sen. Britt, Katie Boyd [R-AL] (R-AL), 2025-04-10T00:00:00.000Z
- Sen. Gallego, Ruben [D-AZ] (D-AZ), 2025-04-10T00:00:00.000Z
- Sen. Ricketts, Pete [R-NE] (R-NE), 2025-04-10T00:00:00.000Z
- Sen. Alsobrooks, Angela D. [D-MD] (D-MD), 2025-04-10T00:00:00.000Z
- Sen. Rounds, Mike [R-SD] (R-SD), 2025-04-10T00:00:00.000Z
- Sen. Capito, Shelley Moore [R-WV] (R-WV), 2025-04-10T00:00:00.000Z
- Sen. Wyden, Ron [D-OR] (D-OR), 2025-04-10T00:00:00.000Z
- Sen. Crapo, Mike [R-ID] (R-ID), 2025-04-10T00:00:00.000Z
- Sen. Hyde-Smith, Cindy [R-MS] (R-MS), 2025-04-10T00:00:00.000Z
- Sen. Whitehouse, Sheldon [D-RI] (D-RI), 2025-04-10T00:00:00.000Z
- Sen. Risch, James E. [R-ID] (R-ID), 2025-04-10T00:00:00.000Z
- Sen. King, Angus S., Jr. [I-ME] (I-ME), 2025-04-10T00:00:00.000Z
- Sen. Tuberville, Tommy [R-AL] (R-AL), 2025-04-10T00:00:00.000Z
- Sen. Fetterman, John [D-PA] (D-PA), 2025-04-10T00:00:00.000Z
- Sen. Klobuchar, Amy [D-MN] (D-MN), 2025-04-10T00:00:00.000Z
- Sen. Kaine, Tim [D-VA] (D-VA), 2025-04-10T00:00:00.000Z
- Sen. Rosen, Jacky [D-NV] (D-NV), 2025-04-10T00:00:00.000Z
- Sen. Shaheen, Jeanne [D-NH] (D-NH), 2025-04-10T00:00:00.000Z
- Sen. Blumenthal, Richard [D-CT] (D-CT), 2025-04-10T00:00:00.000Z
- Sen. Baldwin, Tammy [D-WI] (D-WI), 2025-04-10T00:00:00.000Z
- Sen. Welch, Peter [D-VT] (D-VT), 2025-04-10T00:00:00.000Z
- Sen. Hickenlooper, John W. [D-CO] (D-CO), 2025-04-10T00:00:00.000Z
- Sen. Peters, Gary C. [D-MI] (D-MI), 2025-04-10T00:00:00.000Z
- Sen. Bennet, Michael F. [D-CO] (D-CO), 2025-04-10T00:00:00.000Z
- Sen. Markey, Edward J. [D-MA] (D-MA), 2025-04-10T00:00:00.000Z
- Sen. Schatz, Brian [D-HI] (D-HI), 2025-04-10T00:00:00.000Z
- Sen. Merkley, Jeff [D-OR] (D-OR), 2025-04-10T00:00:00.000Z
- Sen. Kelly, Mark [D-AZ] (D-AZ), 2025-04-10T00:00:00.000Z
- Sen. Fischer, Deb [R-NE] (R-NE), 2025-04-10T00:00:00.000Z
- Sen. Heinrich, Martin [D-NM] (D-NM), 2025-04-29T00:00:00.000Z
- Sen. Wicker, Roger F. [R-MS] (R-MS), 2025-05-01T00:00:00.000Z
- Sen. Moreno, Bernie [R-OH] (R-OH), 2025-05-05T00:00:00.000Z
- Sen. Banks, Jim [R-IN] (R-IN), 2025-05-14T00:00:00.000Z
- Sen. Cassidy, Bill [R-LA] (R-LA), 2025-05-15T00:00:00.000Z
- Sen. Collins, Susan M. [R-ME] (R-ME), 2025-05-20T00:00:00.000Z
- Sen. Hoeven, John [R-ND] (R-ND), 2025-05-20T00:00:00.000Z
- Sen. Sullivan, Dan [R-AK] (R-AK), 2025-05-21T00:00:00.000Z
- Sen. Scott, Rick [R-FL] (R-FL), 2025-06-05T00:00:00.000Z
- Sen. Durbin, Richard J. [D-IL] (D-IL), 2025-06-26T00:00:00.000Z

## Provisions PRIA read

- Stronger privacy for homebuyers' credit reports: benefit, low. If enacted, credit reporting companies would face stricter limits when a report is requested for a residential mortgage loan. They would share a prescreened report only if it is for a firm offer of credit or insurance. The recipient would also need your documented OK, or already be your mortgage le…

## Related bills

- 119-s-2296: National Defense Authorization Act for Fiscal Year 2026
- 119-sres-913: A resolution relating to the death of the Honorable Nancy Kassebaum, former United States Senator for the State of Kansas.
- 119-sres-897: A resolution honoring the life, service, and legacy of the Honorable Jon Llewellyn Kyl, former Senator for the State of Arizona.
- 119-sres-801: A resolution honoring the life and legacy of the Honorable Lindsey Olin Graham, a Senator from the State of South Carolina.
- 119-sres-755: A resolution honoring the life of the Honorable Donald W. Riegle, Jr., former Senator for the State of Michigan.
- 119-sres-739: A resolution honoring the life and legacy of John Seymour, the late Senator for the State of California.

## Sources
- [119-s-1467 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/1467)

## Related
- [119-s-2296: National Defense Authorization Act for Fiscal Year 2026](https://policyrisk.com/legislation/119-s-2296)
- [119-sres-913: A resolution relating to the death of the Honorable Nancy Kassebaum, former Uni…](https://policyrisk.com/legislation/119-sres-913)
- [119-sres-897: A resolution honoring the life, service, and legacy of the Honorable Jon Llewel…](https://policyrisk.com/legislation/119-sres-897)
- [119-sres-801: A resolution honoring the life and legacy of the Honorable Lindsey Olin Graham,…](https://policyrisk.com/legislation/119-sres-801)
- [119-sres-755: A resolution honoring the life of the Honorable Donald W. Riegle, Jr., former S…](https://policyrisk.com/legislation/119-sres-755)
- [119-sres-739: A resolution honoring the life and legacy of John Seymour, the late Senator for…](https://policyrisk.com/legislation/119-sres-739)
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Source: PRIA, https://policyrisk.com/legislation/119-s-1467 (as of 2026-07-25).