CONGRESS FOR VOTERS

John Rose (R-TN)

Homebuyers Privacy Protection Act

H.R. 2808 · House bill Finance and Financial Sector

A Republican bill with 33 Democratic cosponsors · See all 89 cosponsors

Last activity — Became Public Law No: 119-36.

Became law

Passed both chambers and was signed by the President, or became law without a signature.

Nothing more in Congress: it is law. When it takes effect depends on the dates written into it — some parts start at once, others a year or more later.

Its path through Congress

  1. Introduced
  2. Passed House voice vote
  3. Passed Senate unanimous consent
  4. To President
  5. Became Law

No one's position on it was recorded: the House by voice vote (members called out yes or no together), and the Senate by unanimous consent (no one objected, so there was no vote).

What this bill would do

This bill, titled the ``Homebuyers Privacy Protection Act'', aims to amend the Fair Credit Reporting Act. It seeks to prevent consumer reporting agencies from sharing consumer reports with others after a person requests a report for a residential mortgage loan. To share a report under these circumstances, the transaction must be a firm offer of credit or insurance, and the recipient must meet specific criteria like having consumer authorization or managing a current loan or account for that consumer. The Act also mandates a study by the Comptroller General regarding the value of trigger leads received via text message. This study should include input from various financial and regulatory entities.

Yes

  • Scored +7

    Does this give people more control over their personal data?

    The bill strengthens data privacy by preventing the sharing of credit reports after a mortgage request.

  • Scored +7

    Does this protect people from being watched or searched?

    The bill provides significant protection for individual privacy regarding sensitive financial information.

  • Scored +6

    Does this give people more protection from unfair business practices?

    The bill enhances consumer protection by restricting the sharing of sensitive credit information used for mortgage requests.

The opposite

No question was scored the opposite.