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.

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Documents

8 official files

• Enrolled Bill

  Enrolled Bill · EN

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• Public Law

  Public Law · EN · 6 September 2025

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• Public Law

  summary · EN · 5 September 2025

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• Placed on Calendar Senate

  Placed on Calendar Senate · EN · 24 June 2025

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• Engrossed in House

  Engrossed in House · EN · 23 June 2025

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• Reported in House

  Reported in House · EN · 20 June 2025

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• Introduced in House

  Introduced in House · EN · 10 April 2025

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• Introduced in House

  summary · EN · 10 April 2025

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