Homebuyers Privacy Protection Act

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.

This text is taken from the official record. PoliticalRepo does not editorialize.

Timeline

1. 10 April 2025

   Introduced

   Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Sponsor introductory remarks on measure: CR S2567)

   Source: IntroReferral

2. 10 April 2025

   Introduced

   Introduced in Senate

   Source: IntroReferral

3. 12 June 2025

   Passed

   Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)

   Source: Floor

4. 12 June 2025

   Passed

   Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)

   Source: Floor

5. 12 June 2025

   Discharge

   Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent. (consideration: CR S3395-3396)

   Source: Discharge

6. 12 June 2025

   Committee

   Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.

   Source: Committee

7. 17 June 2025

   Floor

   Held at the desk.

   Source: Floor

8. 17 June 2025

   Floor

   Received in the House.

   Source: Floor

Votes

No vote records are attached yet.

Versions

No version snapshots stored. Document URLs remain at the source.

Documents

3 official files

• Engrossed in Senate

  Engrossed in Senate · EN · 12 June 2025

  ViewDownloadOpen at official source

• Passed Senate

  summary · EN · 12 June 2025

  Open at official source

  Leesvertaling

  Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.

  Vertaal naarNL · DutchDE · GermanFR · FrenchES · SpanishIT · ItalianPL · PolishPT · PortugueseSV · SwedishDA · DanishFI · FinnishEL · GreekCS · CzechHU · HungarianRO · RomanianBG · BulgarianHR · CroatianSK · SlovakSL · SlovenianLT · LithuanianLV · LatvianET · EstonianGA · IrishMT · Maltese

  Vertaal document

  Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

• Introduced in Senate

  Introduced in Senate · EN · 10 April 2025

  ViewDownloadOpen at official source

  Leesvertaling

  Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.

  Vertaal naarNL · DutchDE · GermanFR · FrenchES · SpanishIT · ItalianPL · PolishPT · PortugueseSV · SwedishDA · DanishFI · FinnishEL · GreekCS · CzechHU · HungarianRO · RomanianBG · BulgarianHR · CroatianSK · SlovakSL · SlovenianLT · LithuanianLV · LatvianET · EstonianGA · IrishMT · Maltese

  Vertaal document

  Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

Sponsors

• Sen. Reed, Jack [D-RI] · D · Sponsor
• Sen. Hagerty, Bill [R-TN] · R · Sponsor
• Sen. Van Hollen, Chris [D-MD] · D · Sponsor
• Sen. Tillis, Thomas [R-NC] · R · Sponsor
• Sen. Cortez Masto, Catherine [D-NV] · D · Sponsor
• Sen. Cramer, Kevin [R-ND] · R · Sponsor
• Sen. Smith, Tina [D-MN] · D · Sponsor
• Sen. Britt, Katie Boyd [R-AL] · R · Sponsor
• Sen. Gallego, Ruben [D-AZ] · D · Sponsor
• Sen. Ricketts, Pete [R-NE] · R · Sponsor
• Sen. Alsobrooks, Angela D. [D-MD] · D · Sponsor
• Sen. Rounds, Mike [R-SD] · R · Sponsor
• Sen. Capito, Shelley Moore [R-WV] · R · Sponsor
• Sen. Wyden, Ron [D-OR] · D · Sponsor
• Sen. Crapo, Mike [R-ID] · R · Sponsor
• Sen. Hyde-Smith, Cindy [R-MS] · R · Sponsor
• Sen. Whitehouse, Sheldon [D-RI] · D · Sponsor
• Sen. Risch, James E. [R-ID] · R · Sponsor
• Sen. King, Angus S., Jr. [I-ME] · I · Sponsor
• Sen. Tuberville, Tommy [R-AL] · R · Sponsor
• Sen. Fetterman, John [D-PA] · D · Sponsor
• Sen. Klobuchar, Amy [D-MN] · D · Sponsor
• Sen. Kaine, Tim [D-VA] · D · Sponsor
• Sen. Rosen, Jacky [D-NV] · D · Sponsor
• Sen. Shaheen, Jeanne [D-NH] · D · Sponsor
• Sen. Blumenthal, Richard [D-CT] · D · Sponsor
• Sen. Baldwin, Tammy [D-WI] · D · Sponsor
• Sen. Welch, Peter [D-VT] · D · Sponsor
• Sen. Hickenlooper, John W. [D-CO] · D · Sponsor
• Sen. Peters, Gary C. [D-MI] · D · Sponsor
• Sen. Bennet, Michael F. [D-CO] · D · Sponsor
• Sen. Markey, Edward J. [D-MA] · D · Sponsor
• Sen. Schatz, Brian [D-HI] · D · Sponsor
• Sen. Merkley, Jeff [D-OR] · D · Sponsor
• Sen. Kelly, Mark [D-AZ] · D · Sponsor
• Sen. Fischer, Deb [R-NE] · R · Sponsor
• Sen. Heinrich, Martin [D-NM] · D · Cosponsor
• Sen. Wicker, Roger F. [R-MS] · R · Cosponsor
• Sen. Moreno, Bernie [R-OH] · R · Cosponsor
• Sen. Banks, Jim [R-IN] · R · Cosponsor
• Sen. Cassidy, Bill [R-LA] · R · Cosponsor
• Sen. Collins, Susan M. [R-ME] · R · Cosponsor
• Sen. Hoeven, John [R-ND] · R · Cosponsor
• Sen. Sullivan, Dan [R-AK] · R · Cosponsor
• Sen. Scott, Rick [R-FL] · R · Cosponsor
• Sen. Durbin, Richard J. [D-IL] · D · Cosponsor
• · ssbk00 · Standing

Related records

• related to → Homebuyers Privacy Protection Act