119th Congress · introduced in the Senate · Apr 10, 2025
Homebuyers Privacy Protection Act
Official title from Congress.gov
Latest action (Jun 17, 2025): Held at the desk.
View on Congress.govPolicy area: Finance and Financial Sector
Congressional Research Service summary, version: Passed Senate (Jun 12, 2025)
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.
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.
Held at the desk.
Received in the House.
Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)
Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)
Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent. (consideration: CR S3395-3396)
Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Sponsor introductory remarks on measure: CR S2567)
Introduced in Senate
Actions from Congress.gov, newest first.
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 reportsCoverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 23, 2026.
71 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: 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 Fede…
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
INDEPENDENT COMMUNITY BANKERS OF AMERICA · lobbying firm or registrant: INDEPENDENT COMMUNITY BANKERS OF AMERICA
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Housing
$1,030,000
Spent on own lobbying
H.R. 6644 ROAD to Housing Act of 2025 S. 1467 Homebuyers Privacy Protection Act S. 2651 ROAD to Housing Act of 2025 Housing Finance Reform GSE Reform
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
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 21, 2026 · issue area: Banking
$1,220,000
Spent on own lobbying
…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: 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 regardi…
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
…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.R. 3379)…
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 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 16, 2026 · issue area: Housing
$2,170,000
Spent on own lobbying
H.R. 6644 ROAD to Housing Act of 2025 S. 1467 Homebuyers Privacy Protection Act S. 2651 ROAD to Housing Act of 2025 Housing Finance Reform GSE Reform
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
…tive 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 Kids Act (S…
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
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 regardi…
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
…tive 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 Kids Act (S…
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
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
…y Act. H.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,…
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 Edu…
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
…sit Insurance for the Future Act S. 113 The Promoting New Bank Formation Act S. 427 The TAILOR Act S. 557 The 1071 Repeal to Protect Small Business Lending Act S. 1467 Homebuyers Privacy Protection Act S. 2352 The PROTECTED Act S. 2486 Protecting Access to Credit for Small Businesses Act S. 2663 Merchant Banking Modernization…
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 Housing Finance Reform National Flood Insurance Reauthorization
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
…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.R. 3379)…
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
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
…rtation 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 Program Reform…
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
…ess Act H.R. 8071 Fair Exams Act S. 113 The Promoting New Bank Formation Act S. 427 The TAILOR Act S. 557 The 1071 Repeal to Protect Small Business Lending Act S. 1467 Homebuyers Privacy Protection Act S. 2296 National Defense Authorization Act S. 2352 The PROTECTED Act S. 2486 Protecting Access to Credit for Small Businesses…
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: Reform, Recapitalization, PSPA Amendments, Clima…
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 Repor…
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: Banking
$15,850,000
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 regardi…
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
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 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
UNITED SERVICES AUTOMOBILE ASSOCIATION · lobbying firm or registrant: UNITED SERVICES AUTOMOBILE ASSOCIATION
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 20, 2026 · issue area: Banking
$550,000
Spent on own lobbying
…nce regulatory and underwriting issues Data security and privacy VA lending issues Military financial security H.R. 1, One Big Beautiful Bill Act H.R. 2808 and S. 1467, the Homebuyers Privacy Protection Act H.R. 1815, VA Home Loan Program Reform 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
UNITED SERVICES AUTOMOBILE ASSOCIATION · lobbying firm or registrant: UNITED SERVICES AUTOMOBILE ASSOCIATION
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 20, 2026 · issue area: Consumer Issues/Safety/Products
$550,000
Spent on own lobbying
Financial regulatory reform Payments technology Data security and privacy H.R. 2808 and S. 1467, the Homebuyers Privacy Protection 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