A Democratic bill with 20 Republican cosponsors · See all 45 cosponsors
Last activity — Held at the desk.
Passed one chamber, waiting for the other to take it up
Passed one chamber, and the other has not yet sent it to a committee or put it on its calendar.
The other chamber will hand it to a committee, place it on its calendar, or leave it where it is. Nothing has been decided, and a bill can sit here indefinitely.
Its path through Congress
- Introduced
- Passed Senate unanimous consent
- Awaiting House
The Senate by unanimous consent (no one objected, so there was no vote): no senator's position on it was recorded.
What this bill would do
The Homebuyers Privacy Protection Act amends the Fair Credit Reporting Act. It limits when consumer reporting agencies can share consumer reports with other people after a request is made for a residential mortgage loan credit transaction. Reports can only be shared if the transaction is a firm offer of credit or insurance and the receiver meets specific criteria. These criteria include having consumer authorization or an existing professional relationship with the consumer.
Yes· 3 of 10
- Scored +8
Does this protect people from being watched or searched?
The bill directly increases individual privacy rights regarding credit information during mortgage transactions.
- Scored +7
Does this give people more control over their personal data?
The bill enhances data privacy by restricting how credit reporting agencies share sensitive consumer reports.
- Scored +5
Does this give people more protection from unfair business practices?
The bill protects consumers by limiting the unauthorized sharing of their credit reports during the mortgage process.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
-
Increased Privacy for Homebuyers: The bill prevents consumer reporting agencies from furnishing reports to others based on a residential mortgage loan request unless specific conditions are met, which limits who can access a consumer's information (Section 2(B)).
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Control Over Information: Reports cannot be shared unless the other person has submitted documentation certifying they have the consumer's authorization (Section 2(B)(ii)(I)).
Potential Negative Impacts for People
- No negative impacts for individuals or groups are explicitly mentioned in the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would middle-income households be better off under this? — Middle-class homebuyers benefit from reduced unauthorized sharing of their financial data. Would billionaires be better off under this? — Protects high-value financial data from being leaked to unsolicited parties. Would high-income households be better off under this? — High-income homebuyers benefit from increased privacy of their financial reports. Would people with substantial wealth be better off under this? — Prevents credit reports from being shared with third parties without strict authorization. Would people in middle age be better off under this? — Middle-aged individuals seeking to refinance or buy homes benefit from better credit privacy. Would the very wealthiest people be better off under this? — Provides higher levels of privacy for those with substantial assets seeking residential loans. Would people in their twenties and thirties be better off under this? — First-time homebuyers, often young adults, benefit from increased privacy when seeking mortgages.
- Governance And Ideology
- Does this protect people from being watched or searched? — The bill directly increases individual privacy rights regarding credit information during mortgage transactions.
- Education And Technology
- Does this give people more control over their personal data? — The bill enhances data privacy by restricting how credit reporting agencies share sensitive consumer reports.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The bill protects consumers by limiting the unauthorized sharing of their credit reports during the mortgage process.
- 6/26/2025
- 1 Cosponsor added.
- 6/17/2025
- Held at the desk.
- Received in the House.
- 6/12/2025
- Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.
- Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent. (consideration: CR S3395-3396)
- Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)
- Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)
- 6/5/2025
- 1 Cosponsor added.
- 5/21/2025
- 1 Cosponsor added.
- 5/20/2025
- 2 Cosponsors added.
- 5/15/2025
- 1 Cosponsor added.
- 5/14/2025
- 1 Cosponsor added.
- 5/5/2025
- 1 Cosponsor added.
- 5/1/2025
- 1 Cosponsor added.
- 4/29/2025
- 1 Cosponsor added.
- 4/10/2025
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Sponsor introductory remarks on measure: CR S2567)
- 35 Cosponsors added.
- Introduced in Senate
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Angela AlsobrooksDemocrat · Maryland
Tammy BaldwinDemocrat · Wisconsin
Michael BennetDemocrat · Colorado
Richard BlumenthalDemocrat · Connecticut
Jim BanksRepublican · Indiana
Katie BrittRepublican · Alabama
Mike CrapoRepublican · Idaho
Susan CollinsRepublican · Maine
Shelley CapitoRepublican · West Virginia
Bill CassidyRepublican · Louisiana
Kevin CramerRepublican · North Dakota
Catherine Cortez MastoDemocrat · Nevada
Richard DurbinDemocrat · Illinois
Deb FischerRepublican · Nebraska
John FettermanDemocrat · Pennsylvania
Ruben GallegoDemocrat · Arizona
John HickenlooperDemocrat · Colorado
Bill HagertyRepublican · Tennessee
Martin HeinrichDemocrat · New Mexico
John HoevenRepublican · North Dakota
Cindy Hyde-SmithRepublican · Mississippi
Amy KlobucharDemocrat · Minnesota
Mark KellyDemocrat · Arizona
Angus KingIndependent · Maine
Timothy KaineDemocrat · Virginia
Edward MarkeyDemocrat · Massachusetts
Jeff MerkleyDemocrat · Oregon
Bernie MorenoRepublican · Ohio
Gary PetersDemocrat · Michigan
James RischRepublican · Idaho
Mike RoundsRepublican · South Dakota
Jacky RosenDemocrat · Nevada
Pete RickettsRepublican · Nebraska
Jeanne ShaheenDemocrat · New Hampshire
Brian SchatzDemocrat · Hawaii
Dan SullivanRepublican · Alaska
Tina SmithDemocrat · Minnesota
Rick ScottRepublican · Florida
Tommy TubervilleRepublican · Alabama
Thomas TillisRepublican · North Carolina
Chris Van HollenDemocrat · Maryland
Roger WickerRepublican · Mississippi
Ron WydenDemocrat · Oregon
Peter WelchDemocrat · Vermont
Sheldon WhitehouseDemocrat · Rhode Island