H.R. 2808 · 119th Congress · House
Homebuyers Privacy Protection Act
Introduced 2025-04-10 · Sponsored by Rep. Rose, John W. [R-TN-6] (R-TN) · Last updated 2026-03-31
Last action (2025-09-05): Became Public Law No: 119-36.
Summary
If you've ever applied for a mortgage and immediately gotten flooded with calls, texts, and mailers from lenders you never contacted, this is the bill that targets that problem. It restricts credit reporting agencies from sharing your credit report with third parties during a mortgage transaction unless you've actually given consent or the third party already originated your loan. The trade-off is that less competition from outside lenders could mean fewer alternative rate offers for borrowers.
The Good
Limits unwanted solicitations after mortgage applications
Restricts when credit reporting agencies can share consumer credit reports with third parties during residential mortgage transactions. This reduces the flood of unsolicited calls, texts, and mailers that homebuyers currently receive after applying for a mortgage.
The Bad
May reduce competition among mortgage lenders
Third-party access to credit trigger data allows competing lenders to offer borrowers alternative rates. Restricting this access could reduce the competitive pressure that drives better mortgage terms for consumers.
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