119th Congress · introduced in the House · Apr 10, 2025
Homebuyers Privacy Protection Act
Official title from Congress.gov
Latest action (Sep 5, 2025): Became Public Law No: 119-36.
View on Congress.govPolicy area: Finance and Financial Sector
Congressional Research Service summary, version: Public Law (Sep 5, 2025) · 2 versions published
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.
Includes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
No recorded roll calls on this bill in coverage.
Became Public Law No: 119-36.
Became Public Law No: 119-36.
Signed by President.
Signed by President.
Presented to President.
Presented to President.
Message on Senate action sent to the House.
Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522)
Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.
Received in the Senate. Read twice. Placed on Senate Legislative Calendar under General Orders. Calendar No. 104.
Motion to reconsider laid on the table Agreed to without objection.
On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)
Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)
DEBATE - The House proceeded with forty minutes of debate on H.R. 2808.
Considered under suspension of the rules. (consideration: CR H2876-2877)
Mr. Rose moved to suspend the rules and pass the bill, as amended.
Placed on the Union Calendar, Calendar No. 133.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-166.
Consumer credit · Financial services and investments · Housing finance and home ownership · Real estate business · Right of privacy
LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsReported (Amended) by the Committee on Financial Services. H. Rept. 119-166.
Ordered to be Reported (Amended) by the Yeas and Nays: 46 - 0.
Committee Consideration and Mark-up Session Held
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Actions from Congress.gov, newest first.
Coverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 23, 2026.
81 citations; showing the 25 most recently posted.
NATIONAL ASSOCIATION OF REALTORS · lobbying firm or registrant: NATIONAL ASSOCIATION OF REALTORS
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Consumer Issues/Safety/Products
$27,400,000
Spent on own lobbying
…merce Using Remote and Electronic (SECURE) Notarization Act. Artificial Intelligence/Data Privacy and Security H.R. 9925 FRONTIER Act H.R. 8413 SECURE Data Act H.R. 2808 Homebuyers Privacy Protection Act Discussions with the House and Senate on artificial intelligence and data privacy. Discussions in support of H.R. 2808 Homebu…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION OF REALTORS · lobbying firm or registrant: NATIONAL ASSOCIATION OF REALTORS
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$27,400,000
Spent on own lobbying
Access to Banking for Cannabis Businesses S. 4942/H.R. 9471 SAFE/SAFER Banking Act Banking Regulations S.1467/H.R.2808 - Homebuyers Privacy Protection Act H.R. 5402/S. 1465 Credit Access and Inclusion Act H.R. 10325 To increase the mandatory contribution amount of Federal Home…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ROCKET LIMITED PARTNERSHIP · lobbying firm or registrant: MINDSET ADVOCACY, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Housing
$50,000
Paid to lobbying firm
Regulations and legislation impacting Housing Finance Market, including FHFA Regulations, GSEs, FHA, CFPB Mortgage Regulations; HR 2808/S. 1467; S. 2651; HR 6644
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
MORTGAGE BANKERS ASSOCIATION · lobbying firm or registrant: MORTGAGE BANKERS ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 21, 2026 · issue area: Banking
$1,220,000
Spent on own lobbying
…anks' Mission Activities Act H.R. 6955Main Street Capital Access Act H.R. 941Small Lenders Exempt from New Data and Excessive Reporting Act or Small Lender Act H.R. 2808Homebuyers Privacy Protection Act S. 1467Homebuyers Privacy Protection Act Basel III and bank capital issues
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION OF REALTORS · lobbying firm or registrant: NATIONAL ASSOCIATION OF REALTORS
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Consumer Issues/Safety/Products
$14,580,000
Spent on own lobbying
…igger Leads Abatement Act. Communications with the Department of Justice and the Federal Trade Commission on artificial intelligence. Discussions in support of H.R. 2808 Homebuyers Privacy Protection Act. Communications with the White House regarding federal technology policy.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION OF REALTORS · lobbying firm or registrant: NATIONAL ASSOCIATION OF REALTORS
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$14,580,000
Spent on own lobbying
Access to Banking for Cannabis Businesses S. 4942/H.R. 9471 SAFE/SAFER Banking Act Banking Regulations S.1467/H.R.2808 - Homebuyers Privacy Protection Act H.R. 5404/S. 1465 Credit Access and Inclusion Act Discussions with the House of Representatives and Senate regarding artifi…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ROCKET LP · lobbying firm or registrant: MEHLMAN CONSULTING, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Housing
$50,000
Paid to lobbying firm
Oversight of federal housing policy. General digital mortgage issues. The National Flood Insurance Program. Legislation related to consumer credit. H.R. 2808 - Homebuyers Privacy Protection Act. S. 2651 - ROAD to Housing Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ROCKET LIMITED PARTNERSHIP · lobbying firm or registrant: MINDSET ADVOCACY, LLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Housing
$50,000
Paid to lobbying firm
Regulations and legislation impacting Housing Finance Market, including FHFA Regulations, GSEs, FHA, CFPB Mortgage Regulations; HR 2808/S. 1467; S. 2651; HR 6644
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA · lobbying firm or registrant: AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICAS CREDIT UNIONS
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 17, 2026 · issue area: Banking
$1,290,000
Spent on own lobbying
…H.R. 2183) Support Transparency in CFPB Cost-Benefit Analysis Act (H.R. 2331) Support CFPB-IG Reform Act (H.R. 2513) Support Homebuyers Privacy Protection Act (H.R. 2808; S. 1467) Support Financial Institution Regulatory Tailoring Enhancement Act (H.R. 3230) Support Halting Uncertain Methods and Practices in Supervision Act (H.…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EXPERIAN NORTH AMERICA · lobbying firm or registrant: EXPERIAN NORTH AMERICA
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · amended · posted Jun 10, 2026 · issue area: Financial Institutions/Investments/Securities
$405,000
Spent on own lobbying
Legislative and regulatory issues pertaining to FCRA requirements, credit reporting, monitoring, and scoring; including Homebuyers Privacy Protection Act (H.R. 2808 & S. 1467), Credit Access and Inclusion Act (S. 1465 & H.R. 5402), ESCRA Act (H.R. 306), FCRA Liablility Harmonization Act (H.R. 5775), and Credit Freeze for K…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION OF REALTORS · lobbying firm or registrant: NATIONAL ASSOCIATION OF REALTORS
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Banking
$15,460,000
Spent on own lobbying
Access to Banking for Cannabis Businesses SAFE/SAFER Banking Act Banking Regulations S.1467/H.R.2808 - Homebuyers Privacy Protection Act H.R. 5404/S. 1465 Credit Access and Inclusion Act Discussions with the House of Representatives and Senate regarding artifi…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION OF REALTORS · lobbying firm or registrant: NATIONAL ASSOCIATION OF REALTORS
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Consumer Issues/Safety/Products
$15,460,000
Spent on own lobbying
…gger Leads Abatement Act. Communications with the National Institution of Standards and Technology (NIST) on artificial intelligence. Discussions in support of H.R. 2808 Homebuyers Privacy Protection Act. Communications with the Office of Science and Technology Policy regarding artificial intelligence.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ROCKET LP · lobbying firm or registrant: MEHLMAN CONSULTING, INC.
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Housing
$50,000
Paid to lobbying firm
Oversight of federal housing policy. General digital mortgage issues. The National Flood Insurance Program. Legislation related to consumer credit. H.R. 2808 - Homebuyers Privacy Protection Act. S. 2651 - ROAD to Housing Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EXPERIAN NORTH AMERICA · lobbying firm or registrant: EXPERIAN NORTH AMERICA
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Financial Institutions/Investments/Securities
$410,000
Spent on own lobbying
Legislative and regulatory issues pertaining to FCRA requirements, credit reporting, monitoring, and scoring; including Homebuyers Privacy Protection Act (H.R. 2808 & S. 1467), Credit Access and Inclusion Act (S. 1465 & H.R. 5402), ESCRA Act (H.R. 306), FCRA Liablility Harmonization Act (H.R. 5775), and Credit Freeze for K…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AARP · lobbying firm or registrant: AARP
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Financial Institutions/Investments/Securities
$3,830,000
Spent on own lobbying
….R. 6644, the ROAD to Housing Act. S. 2117/H.R. 1734, the Preventing Deep Fake Scams Act. S. 2840/H.R. 2478, the Financial Exploitation Prevention Act. S. 1467/H.R. 2808, the Homebuyers Privacy Protection Act. H.R. 2978, the GUARD Act. S. 4144/H.R. 306, the Ending Scam Credit Repair Act (ESCRA) Act. S.1773/H.R. 3469, the Tax Re…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AARP · lobbying firm or registrant: AARP
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Consumer Issues/Safety/Products
$3,830,000
Spent on own lobbying
S. 4144/H.R. 306, the Ending Scam Credit Repair Act (ESCRA) Act. S. 1467/H.R. 2808, the Homebuyers Privacy Protection Act. S. 3982/H.R. 7786, the AI Fraud Accountability Act. S. 1699, Artificial Intelligence Public Awareness and Education Cam…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ROCKET LIMITED PARTNERSHIP · lobbying firm or registrant: MINDSET ADVOCACY, LLC
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Housing
$50,000
Paid to lobbying firm
Regulations and legislation impacting Housing Finance Market, including FHFA Regulations, GSEs, FHA, CFPB Mortgage Regulations; HR 2808/S. 1467; S. 2651; HR 6644
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
INDEPENDENT COMMUNITY BANKERS OF AMERICA · lobbying firm or registrant: INDEPENDENT COMMUNITY BANKERS OF AMERICA
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 17, 2026 · issue area: Banking
$890,000
Spent on own lobbying
…inesses Act H.R. 1652 Rectifying UDAAP Act H.R. 1799 The Financial Reporting Threshold Modernization Act H.R. 1944 10 Percent Credit Card Interest Rate Cap Act H.R. 2808 The Homebuyers Privacy Protection Act H.R. 2835 The Small Bank Holding Company Relief Act H.R. 2885 The Bank Loan Privacy Act H.R. 3234 Reciprocal Deposits H.R…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
INDEPENDENT COMMUNITY BANKERS OF AMERICA · lobbying firm or registrant: INDEPENDENT COMMUNITY BANKERS OF AMERICA
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 17, 2026 · issue area: Housing
$890,000
Spent on own lobbying
H.R. 2808 The Homebuyers Privacy Protection Act H.R. 6644 ROAD to Housing Act of 2025 S. 1467 Homebuyers Privacy Protection Act S. 2651 ROAD to Housing Act of 2025 Housi…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA · lobbying firm or registrant: AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICAS CREDIT UNIONS
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 14, 2026 · issue area: Banking
$1,130,000
Spent on own lobbying
…H.R. 2183) Support Transparency in CFPB Cost-Benefit Analysis Act (H.R. 2331) Support CFPB-IG Reform Act (H.R. 2513) Support Homebuyers Privacy Protection Act (H.R. 2808; S. 1467) Support Financial Institution Regulatory Tailoring Enhancement Act (H.R. 3230) Support Halting Uncertain Methods and Practices in Supervision Act (H.…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ROCKET LP FKA RKT HOLDINGS · lobbying firm or registrant: ROCKET LP FKA RKT HOLDINGS
2025 Q3 report (Jul 1, 2025 – Sep 30, 2025) · amended · posted Mar 31, 2026 · issue area: Housing
$480,000
Spent on own lobbying
…tee on Transportation and Housing and Urban Development; General CFPB, FHA, FHFA, VA issues; Oversight of federal housing policy; FHA technology funding; H.R. 2808 and S.1467, Homebuyers Privacy Protection Act; National Flood Insurance Program; Veterans Affairs Servicing Purchase (VASP) Program; HR. 1815, VA Home Loan Pro…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
INDEPENDENT COMMUNITY BANKERS OF AMERICA · lobbying firm or registrant: INDEPENDENT COMMUNITY BANKERS OF AMERICA
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Feb 3, 2026 · issue area: Banking
$1,281,850
Spent on own lobbying
…inesses Act H.R. 1652 Rectifying UDAAP Act H.R. 1799 The Financial Reporting Threshold Modernization Act H.R. 1944 10 Percent Credit Card Interest Rate Cap Act H.R. 2808 The Homebuyers Privacy Protection Act H.R. 2835 The Small Bank Holding Company Relief Act H.R. 2885 The Bank Loan Privacy Act H.R. 3234 Reciprocal Deposits H.R…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
INDEPENDENT COMMUNITY BANKERS OF AMERICA · lobbying firm or registrant: INDEPENDENT COMMUNITY BANKERS OF AMERICA
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Feb 3, 2026 · issue area: Housing
$1,281,850
Spent on own lobbying
H.R. 2808 The Homebuyers Privacy Protection Act S. 1467 Homebuyers Privacy Protection Act S. 2651 ROAD to Housing Act of 2025 Credit Score Models Implementation GSEs: Re…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
MORTGAGE BANKERS ASSOCIATION · lobbying firm or registrant: MORTGAGE BANKERS ASSOCIATION
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 21, 2026 · issue area: Banking
$710,000
Spent on own lobbying
S. 1467 Homebuyers Privacy Protection Act H.R. 2808 Homebuyers Privacy Protection Act H.R. 1777 SECURE Remote Online Notarization Act H.R. 976 End Small Business Reporting Requirements Public Law 95-508 Fair Cre…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION OF REALTORS · lobbying firm or registrant: NATIONAL ASSOCIATION OF REALTORS
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 20, 2026 · issue area: Consumer Issues/Safety/Products
$15,850,000
Spent on own lobbying
…gger Leads Abatement Act. Communications with the National Institution of Standards and Technology (NIST) on artificial intelligence. Discussions in support of H.R. 2808 Homebuyers Privacy Protection Act. Communications with the Office of Science and Technology Policy regarding artificial intelligence.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing