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S. 1467119th CongressFinance and Financial Sector
Homebuyers Privacy Protection Act
Sponsored by Sen. Jack Reed (D-RI) · 45 active : 20 Republicans, 24 Democrats, 1 Independent
Latest action: Held at the desk.
Where it standsBefore the Senate4 senators score as swing votes
Passed Senate
- Senate: passedJun 12, 2025
- House: next
- President: not yet
Summary
, via Congress.govHomebuyers 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.
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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.
Committees and subjects
Committees
- Senate Committee on Banking, Housing, and Urban Affairs · SenateDischarged from · Referred to
Subjects
- Consumer credit
- Financial services and investments
- Housing finance and home ownership
- Real estate business
- Right of privacy
Model
Directional: count only breaks toward the other partyWhy do scores change?v3default (selected)v2 model swing-v2
How the Senate breaks down
- 4Swing 70–100
- 37Middle 30–70
- 59Entrenched 0–30
Members fall into . All 100 senators have enough data to score.
Key players in the Senate
Ranked by swing score, 0–100 · swing-v3Bars show each input from 0 to 100: ideology gap, scorecard gap, , and the . is the seat’s partisan lean, and shows how much of the input data a score has.
- Ideology gap
Similar past votes, Senate
Earlier behind swing-v3’s inputLoading similar votes
Cosponsors
45 activeShow all 45 cosponsors
- Amy Klobuchar (D-MN)
- Angela D. Alsobrooks (D-MD)
- Angus S. King Jr. (I-ME)
- Bill Hagerty (R-TN)
- Brian Schatz (D-HI)
- Catherine Cortez Masto (D-NV)
- Chris Van Hollen (D-MD)
- Cindy Hyde-Smith (R-MS)
- Deb Fischer (R-NE)
- Edward J. Markey (D-MA)
- Gary C. Peters (D-MI)
- Jacky Rosen (D-NV)
- James E. Risch (R-ID)
- Jeanne Shaheen (D-NH)
- Jeff Merkley (D-OR)
- John Fetterman (D-PA)
- John W. Hickenlooper (D-CO)
- Katie Boyd Britt (R-AL)
- Kevin Cramer (R-ND)
- Mark Kelly (D-AZ)
- Michael F. Bennet (D-CO)
- Mike Crapo (R-ID)
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.
