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H.R. 2808119th CongressFinance and Financial Sector
Homebuyers Privacy Protection Act
Sponsored by Rep. John W. Rose (R-TN) · 89 active : 55 Republicans, 33 Democrats, 1 Independent
Latest action: Became Public Law No: 119-36.
Where it standsBecame law34 representatives score as swing votes
Became law
- House: passedJun 23, 2025
- Senate: passedAug 2, 2025
- President: Signed into lawSep 5, 2025
Summary
, via Congress.govHomebuyers Privacy Protection Act
This act limits the circumstances in which credit reporting agencies may provide consumer credit reports to third parties in connection with residential mortgage transactions.
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Specifically, the act 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 enactment.
The Government Accountability Office must study and report on the value of trigger leads (a marketing tactic facilitated by credit reporting agencies that may result in unsolicited credit offers to a consumer after a consumer applies for a separate type of credit) received by text message.
How the projections held up
Each member’s recorded vote compared with their swing projection from before the vote. A member by voting against most of their own party.
House
Passed by voice vote or unanimous consent: no individual votes recorded.
Senate
Passed by voice vote or unanimous consent: no individual votes recorded.
Committees and subjects
Committees
- House Committee on Financial Services · HouseReported by · Markup by · Referred to
Subjects
- Consumer credit
- Financial services and investments
- Housing finance and home ownership
- Real estate business
- Right of privacy
How the Senate breaks down
- 9Swing 70–100
- 62Middle 30–70
- 29Entrenched 0–30
Members fall into . All 100 senators have enough data to score. The bill is not before the Senate right now; these scores show where members would stand.
Key players in the Senate
Ranked by swing score, 0–100 · swing-v2, directional: only movement toward the other party counts, so members who sit further from the center than their party no longer score as swing votes.
Bars show each input from 0 to 100: ideology gap, scorecard gap, . is the seat’s partisan lean, and shows how much of the input data a score has.
Similar past votes, Senate
Earlier behind swing-v3’s inputLoading similar votes
Cosponsors
89 activeShow all 89 cosponsors
- Adrian Smith (R-NE-3)
- Andrew Ogles (R-TN-5)
- Andrew R. Garbarino (R-NY-2)
- Brian K. Fitzpatrick (R-PA-1)
- Brittany Pettersen (D-CO-7)
- Bryan Steil (R-WI-1)
- Cleo Fields (D-LA-6)
- David Kustoff (R-TN-8)
- Dusty Johnson (R-SD-AL)
- Eleanor Holmes Norton (D-DC-AL)
- Emanuel Cleaver (D-MO-5)
- Frank D. Lucas (R-OK-3)
- Gabe Amo (D-RI-1)
- Jack Bergman (R-MI-1)
- Joe Neguse (D-CO-2)
- John R. Moolenaar (R-MI-2)
- Julia Brownley (D-CA-26)
- Mark E. Amodei
How the swing score works
Ideology gapHow far a member’s DW-NOMINATE voting score sits from their party’s median in the same chamber.
Scorecard gapHow far their Heritage Action and LCV ratings stray from their party’s average, using the groups’ votes on similar bills where available.
Cross-pressureHow strongly their district or state leans toward the other party, from our own computed partisan lean.
Similar votesHow often they voted against their own party on earlier roll calls about this bill or similar ones.
Committee bonusMembers of the committees handling the bill decide whether it moves, so they get a boost.
Cosponsor checkThe sponsor and active cosponsors have already committed, so they drop toward entrenched.
