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.

Full bill text →

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SubjectsConsumer creditFinancial services and investmentsHousing finance and home ownershipReal estate businessRight of privacy

XML scalars

congress: 119
type: S
number: 1467
originChamber: Senate
originChamberCode: S
introducedDate: 2025-04-10
updateDate: 2026-06-16T17:29:20Z
updateDateIncludingText: 2026-07-18T20:50:37Z
title: Homebuyers Privacy Protection Act
legislationUrl: https://www.congress.gov/bill/119th-congress/senate-bill/1467

Constitutional authority statement (CDATA)

null

Pipeline

Track

federal_presidential

Stage

Passed Chamber of Origin

Stage rank

Sponsor

Sen. Reed, Jack [D-RI] · [D-RI] · R000122
Dem-RI current · 8 terms · @SenJackReed · 2 district offices

Sponsor record (congress_legislators)

Bio (legislators)

bioguide

R000122

status

current

official_full

Jack Reed

first

John

middle

last

Reed

suffix

null

nickname

Jack

birthday

1949-11-12

gender

Current term (8 total)

type

sen

state

district

null

class

party

Democrat

caucus

null

start

2021-01-03

end

2027-01-03

end_type

null

how

null

url

https://www.reed.senate.gov

address

728 Hart Senate Office Building Washington DC 20510

office

728 Hart Senate Office Building

phone

202-224-4642

fax

null

contact_form

https://www.reed.senate.gov/contact/

rss_url

https://www.reed.senate.gov//rss/feeds/?type=all

Leadership roles (0)

none

Committee memberships (20)

Airland (senate) · senate · Ex Officio · rank 7
Commerce, Justice, Science, and Related Agencies (senate) · senate · rank 2
Cybersecurity (senate) · senate · Ex Officio · rank 5
Department of Defense (senate) · senate · rank 4
Departments of Labor, Health and Human Services, and Education, and Related Agencies (senate) · senate · rank 4
Economic Policy (senate) · senate · rank 2
Emerging Threats and Capabilities (senate) · senate · Ex Officio · rank 8
Financial Institutions and Consumer Protection (senate) · senate · rank 2
Financial Services and General Government (senate) · senate · Ranking Member · rank 1
Military Construction, Veterans Affairs, and Related Agencies (senate) · senate · rank 3
Personnel (senate) · senate · Ex Officio · rank 5
Readiness and Management Support (senate) · senate · Ex Officio · rank 6
Seapower (senate) · senate · Ex Officio · rank 6
Securities, Insurance, and Investment (senate) · senate · rank 2
Senate Committee on Appropriations (senate) · senate · rank 3 · site
Senate Committee on Armed Services (senate) · senate · Ranking Member · rank 1 · site
Senate Committee on Banking, Housing, and Urban Affairs (senate) · senate · rank 2 · site
Senate Select Committee on Intelligence (senate) · senate · Ex Officio · rank 9 · site
Strategic Forces (senate) · senate · Ex Officio · rank 6
Transportation, Housing and Urban Development, and Related Agencies (senate) · senate · rank 4

Social media

Twitter: @SenJackReed
Facebook: @SenJackReed
YouTube: @SenatorReed

District offices (2)

1000 Chapel View Blvd., Suite 290, Cranston, RI, 02920 · 401-943-3100 · fax 401-464-6837 · 41.7566184,-71.4607281
One Exchange Terrace, Suite 408, U.S. District Courthouse, Providence, RI, 02903-1744 · 401-528-5200 · fax 202-224-4680 · 41.8262057,-71.4109836

Other names (0)

none

Sponsor FEC record (fec_live)

Candidate record (candidates) · cycle 2026

candidate_id

S6RI00163

cycle

2026

name

REED, JOHN F.

party

DEMOCRATIC PARTY

office

Senate

state

district

incumbent_challenge

Incumbent

candidate_status

active_through

2026

election_year

null

first_file_date

1995-09-29

last_file_date

2026-08-07

last_f2_date

2026-08-07

address

null

Candidate summary (candidate_summaries) · cycle 2026

cycle

2026

total_receipts

$4,468,935.56

total_disbursements

$3,384,639.21

cash_on_hand_end_period

$3,093,683.60

debts_owed_by_committee

$0.00

coverage_start_date

2021-01-01

coverage_end_date

2026-08-20

Connected committees (0)

none

Cosponsors (45)

Sen. Hagerty, Bill [R-TN] · [R-TN] · H000601 · Co-sponsored 2025-04-10 · original
Rep-TN current · 1 term · @SenatorHagerty · 7 district offices
Sen. Van Hollen, Chris [D-MD] · [D-MD] · V000128 · Co-sponsored 2025-04-10 · original
Dem-MD current · 9 terms · @ChrisVanHollen · 6 district offices
Sen. Tillis, Thomas [R-NC] · [R-NC] · T000476 · Co-sponsored 2025-04-10 · original
Rep-NC current · 2 terms · @SenThomTillis · 5 district offices
Sen. Cortez Masto, Catherine [D-NV] · [D-NV] · C001113 · Co-sponsored 2025-04-10 · original
Dem-NV current · 2 terms · @SenCortezMasto · 2 district offices
Sen. Cramer, Kevin [R-ND] · [R-ND] · C001096 · Co-sponsored 2025-04-10 · original
Rep-ND current · 5 terms · @SenKevinCramer · 5 district offices
Sen. Smith, Tina [D-MN] · [D-MN] · S001203 · Co-sponsored 2025-04-10 · original
Dem-MN current · 3 terms · @SenTinaSmith · 4 district offices
Sen. Britt, Katie Boyd [R-AL] · [R-AL] · B001319 · Co-sponsored 2025-04-10 · original
Rep-AL current · 1 term · @SenKatieBritt · 7 district offices
Sen. Gallego, Ruben [D-AZ] · [D-AZ] · G000574 · Co-sponsored 2025-04-10 · original
Dem-AZ current · 6 terms · @RepRubenGallego · 2 district offices
Sen. Ricketts, Pete [R-NE] · [R-NE] · R000618 · Co-sponsored 2025-04-10 · original
Rep-NE current · 2 terms · @SenatorRicketts · 4 district offices
Sen. Alsobrooks, Angela D. [D-MD] · [D-MD] · A000382 · Co-sponsored 2025-04-10 · original
Dem-MD current · 1 term · 1 district office
Sen. Rounds, Mike [R-SD] · [R-SD] · R000605 · Co-sponsored 2025-04-10 · original
Rep-SD current · 2 terms · @SenatorRounds · 4 district offices
Sen. Capito, Shelley Moore [R-WV] · [R-WV] · C001047 · Co-sponsored 2025-04-10 · original
Rep-WV current · 9 terms · @SenCapito · 3 district offices
Sen. Wyden, Ron [D-OR] · [D-OR] · W000779 · Co-sponsored 2025-04-10 · original
Dem-OR current · 14 terms · @RonWyden · 6 district offices
Sen. Crapo, Mike [R-ID] · [R-ID] · C000880 · Co-sponsored 2025-04-10 · original
Rep-ID current · 8 terms · @MikeCrapo · 6 district offices
Sen. Hyde-Smith, Cindy [R-MS] · [R-MS] · H001079 · Co-sponsored 2025-04-10 · original
Rep-MS current · 3 terms · @SenHydeSmith · 4 district offices
Sen. Whitehouse, Sheldon [D-RI] · [D-RI] · W000802 · Co-sponsored 2025-04-10 · original
Dem-RI current · 4 terms · @SenWhitehouse · 1 district office
Sen. Risch, James E. [R-ID] · [R-ID] · R000584 · Co-sponsored 2025-04-10 · original
Rep-ID current · 3 terms · @SenatorRisch · 6 district offices
Sen. King, Angus S., Jr. [I-ME] · [I-ME] · K000383 · Co-sponsored 2025-04-10 · original
Ind-ME current · 3 terms · @SenAngusKing · 5 district offices
Sen. Tuberville, Tommy [R-AL] · [R-AL] · T000278 · Co-sponsored 2025-04-10 · original
Rep-AL current · 1 term · @SenTuberville · 5 district offices
Sen. Fetterman, John [D-PA] · [D-PA] · F000479 · Co-sponsored 2025-04-10 · original
Dem-PA current · 1 term · 5 district offices
Sen. Klobuchar, Amy [D-MN] · [D-MN] · K000367 · Co-sponsored 2025-04-10 · original
Dem-MN current · 4 terms · @SenAmyKlobuchar · 4 district offices
Sen. Kaine, Tim [D-VA] · [D-VA] · K000384 · Co-sponsored 2025-04-10 · original
Dem-VA current · 3 terms · 6 district offices
Sen. Rosen, Jacky [D-NV] · [D-NV] · R000608 · Co-sponsored 2025-04-10 · original
Dem-NV current · 3 terms · @SenJackyRosen · 2 district offices
Sen. Shaheen, Jeanne [D-NH] · [D-NH] · S001181 · Co-sponsored 2025-04-10 · original
Dem-NH current · 3 terms · @SenatorShaheen · 6 district offices
Sen. Blumenthal, Richard [D-CT] · [D-CT] · B001277 · Co-sponsored 2025-04-10 · original
Dem-CT current · 3 terms · @SenBlumenthal · 2 district offices
Sen. Baldwin, Tammy [D-WI] · [D-WI] · B001230 · Co-sponsored 2025-04-10 · original
Dem-WI current · 10 terms · @SenatorBaldwin · 6 district offices
Sen. Welch, Peter [D-VT] · [D-VT] · W000800 · Co-sponsored 2025-04-10 · original
Dem-VT current · 9 terms · @PeterWelch · 1 district office
Sen. Hickenlooper, John W. [D-CO] · [D-CO] · H000273 · Co-sponsored 2025-04-10 · original
Dem-CO current · 1 term · @SenatorHick · 7 district offices
Sen. Peters, Gary C. [D-MI] · [D-MI] · P000595 · Co-sponsored 2025-04-10 · original
Dem-MI current · 5 terms · @SenGaryPeters · 7 district offices
Sen. Bennet, Michael F. [D-CO] · [D-CO] · B001267 · Co-sponsored 2025-04-10 · original
Dem-CO current · 4 terms · @SenatorBennet · 7 district offices
Sen. Markey, Edward J. [D-MA] · [D-MA] · M000133 · Co-sponsored 2025-04-10 · original
Dem-MA current · 23 terms · @SenMarkey · 2 district offices
Sen. Schatz, Brian [D-HI] · [D-HI] · S001194 · Co-sponsored 2025-04-10 · original
Dem-HI current · 4 terms · @SenBrianSchatz · 1 district office
Sen. Merkley, Jeff [D-OR] · [D-OR] · M001176 · Co-sponsored 2025-04-10 · original
Dem-OR current · 3 terms · @SenJeffMerkley · 6 district offices
Sen. Kelly, Mark [D-AZ] · [D-AZ] · K000377 · Co-sponsored 2025-04-10 · original
Dem-AZ current · 2 terms · @SenMarkKelly · 2 district offices
Sen. Fischer, Deb [R-NE] · [R-NE] · F000463 · Co-sponsored 2025-04-10 · original
Rep-NE current · 3 terms · @SenatorFischer · 4 district offices
Sen. Heinrich, Martin [D-NM] · [D-NM] · H001046 · Co-sponsored 2025-04-29
Dem-NM current · 5 terms · @MartinHeinrich · 4 district offices
Sen. Wicker, Roger F. [R-MS] · [R-MS] · W000437 · Co-sponsored 2025-05-01
Rep-MS current · 11 terms · @SenatorWicker · 5 district offices
Sen. Moreno, Bernie [R-OH] · [R-OH] · M001242 · Co-sponsored 2025-05-05
Rep-OH current · 1 term · @berniemoreno · 3 district offices
Sen. Banks, Jim [R-IN] · [R-IN] · B001299 · Co-sponsored 2025-05-14
Rep-IN current · 5 terms · @RepJimBanks · 2 district offices
Sen. Cassidy, Bill [R-LA] · [R-LA] · C001075 · Co-sponsored 2025-05-15
Rep-LA current · 5 terms · @SenBillCassidy · 7 district offices
Sen. Collins, Susan M. [R-ME] · [R-ME] · C001035 · Co-sponsored 2025-05-20
Rep-ME current · 5 terms · @SenatorCollins · 6 district offices
Sen. Hoeven, John [R-ND] · [R-ND] · H001061 · Co-sponsored 2025-05-20
Rep-ND current · 3 terms · @SenJohnHoeven · 5 district offices
Sen. Sullivan, Dan [R-AK] · [R-AK] · S001198 · Co-sponsored 2025-05-21
Rep-AK current · 2 terms · @SenDanSullivan · 6 district offices
Sen. Scott, Rick [R-FL] · [R-FL] · S001217 · Co-sponsored 2025-06-05
Rep-FL current · 2 terms · @SenRickScott · 9 district offices
Sen. Durbin, Richard J. [D-IL] · [D-IL] · D000563 · Co-sponsored 2025-06-26
Dem-IL current · 12 terms · @SenatorDurbin · 4 district offices

Committees (1)

Banking, Housing, and Urban Affairs Committee [Senate Standing]
2025-06-12T22:37:55ZDischarged From
2025-04-10T19:32:25ZReferred To

Actions — from XML (8)

2025-06-17 11:02:25FloorH15000via House floor actions
Held at the desk.
2025-06-17 11:02:14FloorH14000via House floor actions
Received in the House.
2025-06-12Floorvia Senate
Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)
2025-06-12Floor17000via Library of Congress
Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)
2025-06-12Dischargevia Senate
Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent. (consideration: CR S3395-3396)
2025-06-12Committee14500via Library of Congress
Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.
2025-04-10IntroReferralvia Senate
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Sponsor introductory remarks on measure: CR S2567)
2025-04-10IntroReferral10000via Library of Congress
Introduced in Senate

Actions — from bill_actions table (0)

none

Titles

Display Title2025-06-27T11:03:19Z
Homebuyers Privacy Protection Act
Short Title(s) as Passed SenateESS2025-06-13T05:53:16Z
Homebuyers Privacy Protection Act
Short Title(s) as IntroducedIS2025-05-03T03:23:19Z
Homebuyers Privacy Protection Act
Official Title as IntroducedIS2025-05-03T03:18:22Z
A bill to amend the Fair Credit Reporting Act to prevent consumer reporting agencies from furnishing consumer reports under certain circumstances, and for other purposes.

Text versions (from XML)

Engrossed in Senate2025-06-12T04:00:00Z
https://www.govinfo.gov/content/pkg/BILLS-119s1467es/xml/BILLS-119s1467es.xml
Introduced in Senate2025-04-10T04:00:00Z
https://www.govinfo.gov/content/pkg/BILLS-119s1467is/xml/BILLS-119s1467is.xml

Versions — from bill_versions table (0)

none

Policy area

Finance and Financial Sector

Summaries

55 · 2025-06-12 · Passed Senate

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.

Related bills

HR 2808 (119) Homebuyers Privacy Protection Act
Latest: 2025-09-05 — Became Public Law No: 119-36.
Relationship: Contained in public law (via CRS)

Amendments (0)

none

Laws

none

Committee reports

none

Calendar number

null

CBO cost estimates

none

Latest action

Date

2025-06-17

Text

Held at the desk.

Time

11:02:25

Dublin Core

format

text/xml

language

rights

Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.

contributor

Congressional Research Service, Library of Congress

description

This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.

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1467

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s-1467-119

title

Homebuyers Privacy Protection Act

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Homebuyers Privacy Protection Act

sponsor_bioguide_id

R000122

sponsor_name

Sen. Reed, Jack [D-RI]

sponsor_party

sponsor_state

introduced_date

2025-04-10

latest_action_date

2025-06-17

latest_action_text

Held at the desk.

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null

policy_area

Finance and Financial Sector

subjects_json

[
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  "Financial services and investments",
  "Housing finance and home ownership",
  "Real estate business",
  "Right of privacy"
]

govinfo_billstatus_path

BILLSTATUS-119s1467

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