Homebuyers Privacy Protection Act

Hozzl · 2025-10-01T22:01:33Z

Explore the details of House Bill 2808 Homebuyers Privacy Protection Act currently in Congress. Get insights into its purpose, current status, sponsors, and potential impact on Finance and Financial Sector. Stay informed on legislative developments.

10/1/2025, 10:01 PM

Summary of Bill HR 2808

The bill titled "To amend the Fair Credit Reporting Act to prevent consumer reporting agencies from furnishing consumer reports under certain circumstances, and for other purposes," identified as H.R. 2808 in the 119th Congress, introduced on April 10, 2025, aims to make modifications to the Fair Credit Reporting Act related to restricting consumer reporting agencies from providing consumer reports in specific situations. Specific details on provisions, key summaries, or actionable directives are not provided in the context provided.

Congressional Summary of HR 2808

Homebuyers Privacy Protection Act

This act limits the circumstances in which credit reporting agencies may provide consumer credit reports to third parties in connection with residential mortgage transactions.

Specifically, the act 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 enactment.

The Government Accountability Office must study and report on the value of trigger leads (a marketing tactic facilitated by credit reporting agencies that may result in unsolicited credit offers to a consumer after a consumer applies for a separate type of credit) received by text message.

Read the Full Bill

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Current Status of Bill HR 2808

Bill HR 2808 is currently in the status of Became Public Law since September 5, 2025. Bill HR 2808 was introduced during Congress 119 and was introduced to the House on April 10, 2025. Bill HR 2808's most recent activity was Became Public Law No: 119-36. as of September 5, 2025

Bipartisan Support of Bill HR 2808

Total Number of Sponsors

Democrat Sponsors

Republican Sponsors

Unaffiliated Sponsors

Total Number of Cosponsors

766

Democrat Cosponsors

280

Republican Cosponsors

486

Unaffiliated Cosponsors

Policy Area and Potential Impact of Bill HR 2808

Primary Policy Focus

Finance and Financial Sector

Alternate Title(s) of Bill HR 2808

To amend the Fair Credit Reporting Act to prevent consumer reporting agencies from furnishing consumer reports under certain circumstances, and for other purposes.

Comments

Sylvie York

963

1 year ago

I cant believe this bill!

Francis Golden

1,079

1 year ago

I don't like this new bill about homebuyers privacy. It's gonna make it harder for me to find out info about the houses I wanna buy. Why they gotta make things so complicated? Just let me do my thing without all these extra rules and regulations. It's annoying.

Scarlet Chandler

1,085

11 months ago

I don't like it, this bill is bad for us. How will it affect me?

Cooper Block

935

1 year ago

I think this bill is good because it stops companies from sharing my credit info without my permission. It's important to protect our privacy and make sure our personal info is safe. How will this bill help other people like me?

Jonah Nichols

970

1 year ago

This bill is so dumb, it's gonna mess up my credit score and make it harder for me to get a loan. Why they gotta go and change things like this? It's just gonna make everything more complicated for us regular folks. SMH.

Castiel Adcock

1,047

1 year ago

Great protection for homebuyers!

Charlee Howell

1,063

11 months ago

I can't believe this bill is going to pass. It's just not right. How will this impact all of us in the long run?

Abel Rhodes

1,015

1 year ago

This bill is necessary.

Lydia Doyle

1,084

1 year ago

I can't believe this bill is trying to stop consumer reporting agencies from giving out reports! That's not fair! I need to know my credit score to make big decisions. This bill is gonna make it harder for me to get a loan or rent an apartment. I hope they don't pass it!