H.R. 2808: Homebuyers Privacy Protection Act
A House bill (H.R.) in the 119th U.S. Congress.
Overview
| Congress | 119th U.S. Congress (2025–2026) |
|---|---|
| Type | House bill (H.R.) |
| Originating chamber | House |
| Introduced | 2025-04-10 |
| Sponsor | Rep. Rose, John W. [R-TN-6] |
| Policy area | Finance and Financial Sector |
| Cosponsors | 20 |
| Latest action | 2025-09-05 — Became Public Law No: 119-36. |
| Last updated | 2026-07-13 |
Summary
Official summary (Introduced in House, 2025-04-10):
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.
Cosponsors (20)
| Name | Party / state |
|---|---|
| Ritchie Torres | D NY (original cosponsor) 2025-04-10 |
| Andrew R. Garbarino | R NY (original cosponsor) 2025-04-10 |
| Zachary Nunn | R IA (original cosponsor) 2025-04-10 |
| Mark E. Amodei | R NV (original cosponsor) 2025-04-10 |
| Gabe Amo | D RI (original cosponsor) 2025-04-10 |
| Joe Neguse | D CO (original cosponsor) 2025-04-10 |
| Eleanor Holmes Norton | D DC (original cosponsor) 2025-04-10 |
| Andrew Ogles | R TN (original cosponsor) 2025-04-10 |
| Bryan Steil | R WI (original cosponsor) 2025-04-10 |
| Robert J. Wittman | R VA (original cosponsor) 2025-04-10 |
| Frank D. Lucas | R OK (original cosponsor) 2025-04-10 |
| Dusty Johnson | R SD (original cosponsor) 2025-04-10 |
| William R. Timmons IV | R SC (original cosponsor) 2025-04-10 |
| Jack Bergman | R MI (original cosponsor) 2025-04-10 |
| Julia Brownley | D CA (original cosponsor) 2025-04-10 |
| Thomas R. Suozzi | D NY (original cosponsor) 2025-04-10 |
| John R. Moolenaar | R MI (original cosponsor) 2025-04-10 |
| Emanuel Cleaver | D MO (original cosponsor) 2025-04-10 |
| Stephanie I. Bice | R OK (original cosponsor) 2025-04-10 |
| Cleo Fields | D LA (original cosponsor) 2025-04-10 |
Full text & official record
The official bill text, section-by-section summary, amendments, committee reports, and the complete legislative timeline for H.R. 2808 are published by Congress on congress.gov.
View H.R. 2808 on congress.gov →
Frequently asked questions
What is H.R. 2808?
H.R. 2808 is a House bill (H.R.) introduced in the 119th U.S. Congress, originating in the House. Official title: Homebuyers Privacy Protection Act.
Where can I read the full bill text?
The full text, cosponsors, amendments, and legislative status for H.R. 2808 are available on congress.gov.
Bill data: congress.gov API (official congressional records).