Homebuyers Privacy Protection Act

119 HR 2808 EH: Homebuyers Privacy Protection Act U.S. House of Representatives text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. IB 119th CONGRESS1st Session H. R. 2808

IN THE HOUSE OF REPRESENTATIVES AN ACT To amend the Fair Credit Reporting Act to prevent consumer reporting agencies from furnishing consumer reports under certain circumstances, and for other purposes.

1.Short titleThis Act may be cited as the Homebuyers Privacy Protection Act.

2.Treatment of prescreening report requests (a)In generalSection 604(c) of the Fair Credit Reporting Act (15 U.S.C. 1681b(c)) is amended by adding at the end the following: (4)Treatment of prescreening report requests (A)DefinitionsIn this paragraph: (i)Credit unionThe term credit union means a Federal credit union or a State credit union, as those terms are defined, respectively, in section 101 of the Federal Credit Union Act (12 U.S.C. 1752). (ii)Insured depository institutionThe term insured depository institution has the meaning given the term in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813(c)). (iii)Residential mortgage loanThe term residential mortgage loan has the meaning given the term in section 1503 of the S.A.F.E. Mortgage Licensing Act of 2008 (12 U.S.C. 5102). (iv)ServicerThe term servicer has the meaning given the term in section 6(i) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2605(i)). (B)LimitationIf a person requests a consumer report from a consumer reporting agency in connection with a credit transaction involving a residential mortgage loan, that agency may not, based in whole or in part on that request, furnish a consumer report to another person under this subsection unless— (i)the transaction consists of a firm offer of credit or insurance; and (ii)that other person— (I)has submitted documentation to that agency certifying that such other person has, pursuant to paragraph (1)(A), the authorization of the consumer to whom the consumer report relates; or (II) (aa)has originated a current residential mortgage loan of the consumer to whom the consumer report relates; (bb)is the servicer of a current residential mortgage loan of the consumer to whom the consumer report relates; or (cc) (AA)is an insured depository institution or credit union; and (BB)holds a current account for the consumer to whom the consumer report relates..

3.Effective dateThis Act, and the amendments made by this Act, shall take effect on the date that is 180 days after the date of enactment of this Act.

4.GAO study (a)In generalThe Comptroller General of the United States shall carry out a study on the value of trigger leads received by text message that includes input from State regulatory agencies, mortgage lenders, depository institutions (as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813)), consumer reporting agencies (as defined in section 603 of the Fair Credit Reporting Act (15 U.S.C. 1681a)), and consumers. (b)ReportNot later than the end of the 12-month period beginning on the date of enactment of this Act, the Comptroller General shall submit to Congress a report containing any findings and determinations made in the study required by subsection (a). Passed the House of Representatives June 23, 2025.Kevin F. McCumber,Clerk.

HR 2808 ENR: Homebuyers Privacy Protection Act U.S. House of Representatives text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. IB One Hundred Nineteenth Congress of the United States of AmericaAt the First SessionBegun and held at the City of Washington on Friday, the third day of January, two thousand and twenty-five H. R. 2808 AN ACT To amend the Fair Credit Reporting Act to prevent consumer reporting agencies from furnishing consumer reports under certain circumstances, and for other purposes.

1.Short titleThis Act may be cited as the Homebuyers Privacy Protection Act.

2.Treatment of prescreening report requests (a)In generalSection 604(c) of the Fair Credit Reporting Act (15 U.S.C. 1681b(c)) is amended by adding at the end the following: (4)Treatment of prescreening report requests (A)DefinitionsIn this paragraph: (i)Credit unionThe term credit union means a Federal credit union or a State credit union, as those terms are defined, respectively, in section 101 of the Federal Credit Union Act (12 U.S.C. 1752). (ii)Insured depository institutionThe term insured depository institution has the meaning given the term in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813(c)). (iii)Residential mortgage loanThe term residential mortgage loan has the meaning given the term in section 1503 of the S.A.F.E. Mortgage Licensing Act of 2008 (12 U.S.C. 5102). (iv)ServicerThe term servicer has the meaning given the term in section 6(i) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2605(i)). (B)LimitationIf a person requests a consumer report from a consumer reporting agency in connection with a credit transaction involving a residential mortgage loan, that agency may not, based in whole or in part on that request, furnish a consumer report to another person under this subsection unless— (i)the transaction consists of a firm offer of credit or insurance; and (ii)that other person— (I)has submitted documentation to that agency certifying that such other person has, pursuant to paragraph (1)(A), the authorization of the consumer to whom the consumer report relates; or (II) (aa)has originated a current residential mortgage loan of the consumer to whom the consumer report relates; (bb)is the servicer of a current residential mortgage loan of the consumer to whom the consumer report relates; or (cc) (AA)is an insured depository institution or credit union; and (BB)holds a current account for the consumer to whom the consumer report relates..

3.Effective dateThis Act, and the amendments made by this Act, shall take effect on the date that is 180 days after the date of enactment of this Act.

4.GAO study (a)In generalThe Comptroller General of the United States shall carry out a study on the value of trigger leads received by text message that includes input from State regulatory agencies, mortgage lenders, depository institutions (as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813)), consumer reporting agencies (as defined in section 603 of the Fair Credit Reporting Act (15 U.S.C. 1681a)), and consumers. (b)ReportNot later than the end of the 12-month period beginning on the date of enactment of this Act, the Comptroller General shall submit to Congress a report containing any findings and determinations made in the study required by subsection (a). Speaker of the House of Representatives.Vice President of the United States and President of the Senate.

119 HR 2808 IH: Homebuyers Privacy Protection Act U.S. House of Representatives 2025-04-10 text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. I119th CONGRESS1st SessionH. R. 2808IN THE HOUSE OF REPRESENTATIVESApril 10, 2025Mr. Rose (for himself, Mr. Torres of New York, Mr. Garbarino, Mr. Nunn of Iowa, Mr. Amodei of Nevada, Mr. Amo, Mr. Neguse, Ms. Norton, Mr. Ogles, Mr. Steil, Mr. Wittman, Mr. Lucas, Mr. Johnson of South Dakota, Mr. Timmons, Mr. Bergman, Ms. Brownley, Mr. Suozzi, Mr. Moolenaar, Mr. Cleaver, Mrs. Bice, Mr. Fields, Mr. Smith of Nebraska, Mr. Scott Franklin of Florida, Mr. Kustoff, Mr. Kelly of Mississippi, Ms. Pettersen, Mr. Guest, and Mr. Fitzpatrick) introduced the following bill; which was referred to the Committee on Financial ServicesA BILLTo amend the Fair Credit Reporting Act to prevent consumer reporting agencies from furnishing consumer reports under certain circumstances, and for other purposes.

1.Short titleThis Act may be cited as the Homebuyers Privacy Protection Act.

2.Treatment of prescreening report requestsSection 604(c) of the Fair Credit Reporting Act (15 U.S.C. 1681b(c)) is amended by adding at the end the following: (4)Treatment of prescreening report requests (A)DefinitionsIn this paragraph: (i)Credit unionThe term credit union means a Federal credit union or a State credit union, as those terms are defined in section 101 of the Federal Credit Union Act (12 U.S.C. 1752). (ii)Insured depository institutionThe term insured depository institution has the meaning given the term in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813(c)). (iii)Residential mortgage loanThe term residential mortgage loan has the meaning given the term in section 1503 of the S.A.F.E. Mortgage Licensing Act of 2008 (12 U.S.C. 5102). (iv)ServicerThe term servicer has the meaning given the term in section 6(i) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2605(i)). (B)LimitationIf a person requests a consumer report from a consumer reporting agency in connection with a credit transaction involving a residential mortgage loan, that agency may not, based in whole or in part on that request, furnish a consumer report to another person under this subsection unless— (i)the transaction consists of a firm offer of credit or insurance; and (ii)that other person— (I)has submitted documentation to that agency certifying that such other person has, pursuant to paragraph (1)(A), the authorization of the consumer to whom the consumer report relates; or (II) (aa)has originated a current residential mortgage loan of the consumer to whom the consumer report relates; (bb)is the servicer of a current residential mortgage loan of the consumer to whom the consumer report relates; or (cc) (AA)is an insured depository institution or credit union; and (BB)holds a current account for the consumer to whom the consumer report relates..

3.Effective dateThis Act, and the amendments made by this Act, shall take effect on the date that is 180 days after the date of enactment of this Act.

119 HR 2808 PCS: Homebuyers Privacy Protection Act U.S. House of Representatives text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. IICalendar No. 104119th CONGRESS1st SessionH. R. 2808IN THE SENATE OF THE UNITED STATESJune 24, 2025Received; read twice and placed on the calendarAN ACTTo amend the Fair Credit Reporting Act to prevent consumer reporting agencies from furnishing consumer reports under certain circumstances, and for other purposes.1.Short titleThis Act may be cited as the Homebuyers Privacy Protection Act.2.Treatment of prescreening report requests(a)In generalSection 604(c) of the Fair Credit Reporting Act (15 U.S.C. 1681b(c)) is amended by adding at the end the following:(4)Treatment of prescreening report requests(A)DefinitionsIn this paragraph:(i)Credit unionThe term credit union means a Federal credit union or a State credit union, as those terms are defined, respectively, in section 101 of the Federal Credit Union Act (12 U.S.C. 1752).(ii)Insured depository institutionThe term insured depository institution has the meaning given the term in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813(c)).(iii)Residential mortgage loanThe term residential mortgage loan has the meaning given the term in section 1503 of the S.A.F.E. Mortgage Licensing Act of 2008 (12 U.S.C. 5102).(iv)ServicerThe term servicer has the meaning given the term in section 6(i) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2605(i)).(B)LimitationIf a person requests a consumer report from a consumer reporting agency in connection with a credit transaction involving a residential mortgage loan, that agency may not, based in whole or in part on that request, furnish a consumer report to another person under this subsection unless—(i)the transaction consists of a firm offer of credit or insurance; and(ii)that other person—(I)has submitted documentation to that agency certifying that such other person has, pursuant to paragraph (1)(A), the authorization of the consumer to whom the consumer report relates; or(II)(aa)has originated a current residential mortgage loan of the consumer to whom the consumer report relates;(bb)is the servicer of a current residential mortgage loan of the consumer to whom the consumer report relates; or(cc)(AA)is an insured depository institution or credit union; and(BB)holds a current account for the consumer to whom the consumer report relates..3.Effective dateThis Act, and the amendments made by this Act, shall take effect on the date that is 180 days after the date of enactment of this Act.4.GAO study(a)In generalThe Comptroller General of the United States shall carry out a study on the value of trigger leads received by text message that includes input from State regulatory agencies, mortgage lenders, depository institutions (as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813)), consumer reporting agencies (as defined in section 603 of the Fair Credit Reporting Act (15 U.S.C. 1681a)), and consumers. (b)ReportNot later than the end of the 12-month period beginning on the date of enactment of this Act, the Comptroller General shall submit to Congress a report containing any findings and determinations made in the study required by subsection (a).Passed the House of Representatives June 23, 2025.Kevin F. McCumber,Clerk.June 24, 2025Received; read twice and placed on the calendar

119 HR 2808 RH: Homebuyers Privacy Protection Act U.S. House of Representatives 2025-06-20 text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. IBUnion Calendar No. 133119th CONGRESS1st SessionH. R. 2808[Report No. 119–166]IN THE HOUSE OF REPRESENTATIVESApril 10, 2025Mr. Rose (for himself, Mr. Torres of New York, Mr. Garbarino, Mr. Nunn of Iowa, Mr. Amodei of Nevada, Mr. Amo, Mr. Neguse, Ms. Norton, Mr. Ogles, Mr. Steil, Mr. Wittman, Mr. Lucas, Mr. Johnson of South Dakota, Mr. Timmons, Mr. Bergman, Ms. Brownley, Mr. Suozzi, Mr. Moolenaar, Mr. Cleaver, Mrs. Bice, Mr. Fields, Mr. Smith of Nebraska, Mr. Scott Franklin of Florida, Mr. Kustoff, Mr. Kelly of Mississippi, Ms. Pettersen, Mr. Guest, and Mr. Fitzpatrick) introduced the following bill; which was referred to the Committee on Financial ServicesJune 20, 2025Additional sponsors: Mrs. McClain, Ms. Williams of Georgia, Mrs. Beatty, Mr. Crow, Mr. Thompson of Mississippi, Mr. Ezell, Ms. De La Cruz, Mr. Flood, Mr. Meuser, Mr. Hern of Oklahoma, Mr. Buchanan, Mr. Bishop, Mr. Foster, Mr. Sherman, Mr. Rutherford, Mr. Alford, Mr. Mrvan, Mr. Grothman, Mr. Moore of North Carolina, Mr. Haridopolos, Mr. Webster of Florida, Mr. Case, Mr. Kiley of California, Mr. Bacon, Mr. Davidson, Mr. Finstad, Mr. Vindman, Mr. Golden of Maine, Mr. Huizenga, Mr. Donalds, Mr. Stutzman, Mr. Mann, Mr. Lawler, Mr. Burchett, Mr. Gottheimer, Ms. Velázquez, Mr. Lynch, Mr. Meeks, Ms. McBride, Mr. Schmidt, Mr. Cline, Mr. LaHood, Mr. Fleischmann, Mrs. Fischbach, Mr. Sorensen, Mrs. Luna, Mr. Smucker, Ms. Craig, Mr. Barrett, Mr. Downing, Mr. David Scott of Georgia, Mr. Norman, Ms. Bynum, Ms. Ross, Mr. Sessions, Mr. Liccardo, Mr. Tiffany, Mrs. Kiggans of Virginia, Mr. Cloud, Ms. Kelly of Illinois, Mr. Schneider, and Mrs. HinsonJune 20, 2025Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printedStrike out all after the enacting clause and insert the part printed in italicFor text of introduced bill, see copy of bill as introduced on April 10, 2025A BILLTo amend the Fair Credit Reporting Act to prevent consumer reporting agencies from furnishing consumer reports under certain circumstances, and for other purposes.1.Short titleThis Act may be cited as the Homebuyers Privacy Protection Act.2.Treatment of prescreening report requests(a)In generalSection 604(c) of the Fair Credit Reporting Act (15 U.S.C. 1681b(c)) is amended by adding at the end the following:(4)Treatment of prescreening report requests(A)DefinitionsIn this paragraph:(i)Credit unionThe term credit union means a Federal credit union or a State credit union, as those terms are defined, respectively, in section 101 of the Federal Credit Union Act (12 U.S.C. 1752).(ii)Insured depository institutionThe term insured depository institution has the meaning given the term in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813(c)).(iii)Residential mortgage loanThe term residential mortgage loan has the meaning given the term in section 1503 of the S.A.F.E. Mortgage Licensing Act of 2008 (12 U.S.C. 5102).(iv)ServicerThe term servicer has the meaning given the term in section 6(i) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2605(i)).(B)LimitationIf a person requests a consumer report from a consumer reporting agency in connection with a credit transaction involving a residential mortgage loan, that agency may not, based in whole or in part on that request, furnish a consumer report to another person under this subsection unless—(i)the transaction consists of a firm offer of credit or insurance; and(ii)that other person—(I)has submitted documentation to that agency certifying that such other person has, pursuant to paragraph (1)(A), the authorization of the consumer to whom the consumer report relates; or(II)(aa)has originated a current residential mortgage loan of the consumer to whom the consumer report relates;(bb)is the servicer of a current residential mortgage loan of the consumer to whom the consumer report relates; or(cc)(AA)is an insured depository institution or credit union; and(BB)holds a current account for the consumer to whom the consumer report relates..3.Effective dateThis Act, and the amendments made by this Act, shall take effect on the date that is 180 days after the date of enactment of this Act.4.GAO study(a)In generalThe Comptroller General of the United States shall carry out a study on the value of trigger leads received by text message that includes input from State regulatory agencies, mortgage lenders, depository institutions (as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813)), consumer reporting agencies (as defined in section 603 of the Fair Credit Reporting Act (15 U.S.C. 1681a)), and consumers. (b)ReportNot later than the end of the 12-month period beginning on the date of enactment of this Act, the Comptroller General shall submit to Congress a report containing any findings and determinations made in the study required by subsection (a).June 20, 2025Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed