S. 1467: Homebuyers Privacy Protection Act

119th Congress · introduced 2025-04-10 · Finance and Financial Sector · Latest: Held at the desk.

federal

Official title

Homebuyers Privacy Protection Act

Plain 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.

Congressional Research Service summary (Passed Senate), quoted unchanged (nonpartisan). Read the source.

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Official text

Homebuyers Privacy Protection Act

Source: Congressional Research Service summary (Passed Senate)

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Officials and money

Sponsor: Sen. Reed, Jack [D-RI] · 45 cosponsors

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Sources

Congressional Research Service summary (Passed Senate)
Congress.gov
Data: GovInfo BILLSTATUS bulk data (Library of Congress), BILLSTATUS-119s1467.xml <https://www.govinfo.gov/bulkdata/BILLSTATUS/119/s>

Record fed-us-cong119-s1467 · catalog fed-us-congress-bills-cong119 · updated 2026-11-03 by psicol fed-bills