Homebuyers Privacy Protection Act
Sponsored By: Representative Rose
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
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
Amodei (NV)
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
Wittman
VA • R
Sponsored 4/10/2025
Lucas
OK • R
Sponsored 4/10/2025
Johnson (SD)
SD • R
Sponsored 4/10/2025
Timmons
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
Franklin, Scott
FL • R
Sponsored 4/10/2025
Kustoff
TN • R
Sponsored 4/10/2025
Kelly (MS)
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
McClain
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
Crow
CO • D
Sponsored 4/17/2025
Thompson (MS)
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
Hern (OK)
OK • R
Sponsored 4/28/2025
Buchanan
FL • R
Sponsored 4/28/2025
Bishop
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
Rutherford
FL • R
Sponsored 4/29/2025
Rep. Alford, Mark [R-MO-4]
MO • R
Sponsored 4/29/2025
Mrvan
IN • D
Sponsored 4/29/2025
Rep. Grothman, Glenn [R-WI-6]
WI • R
Sponsored 4/29/2025
Moore (NC)
NC • R
Sponsored 4/30/2025
Haridopolos
FL • R
Sponsored 4/30/2025
Webster (FL)
FL • R
Sponsored 4/30/2025
Rep. Case, Ed [D-HI-1]
HI • D
Sponsored 5/1/2025
Kiley (CA)
CA • I
Sponsored 5/5/2025
Rep. Bacon, Don [R-NE-2]
NE • R
Sponsored 5/5/2025
Davidson
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
Stutzman
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
McBride
DE • D
Sponsored 5/17/2025
Schmidt
KS • R
Sponsored 5/17/2025
Rep. Cline, Ben [R-VA-6]
VA • R
Sponsored 5/19/2025
LaHood
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
Craig
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
Scott, David
GA • D
Sponsored 6/4/2025
Norman
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
Sessions
TX • R
Sponsored 6/9/2025
Liccardo
CA • D
Sponsored 6/10/2025
Tiffany
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.
View on Congress.gov