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Homebuyers Privacy Protection Act

7/15/2025, 10:39 PM

Summary of Bill S 1467

This bill, introduced in the 119th session of Congress, aims to amend the Fair Credit Reporting Act to restrict consumer reporting agencies from providing consumer reports in specified situations. The bill may have additional purposes beyond this amendment, which are not detailed in the provided context.

Congressional Summary of S 1467

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.

Read the Full Bill

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Current Status of Bill S 1467

Bill S 1467 is currently in the status of Passed in Senate since June 12, 2025. Bill S 1467 was introduced during Congress 119 and was introduced to the Senate on April 10, 2025.  Bill S 1467's most recent activity was Held at the desk. as of June 17, 2025

Bipartisan Support of Bill S 1467

Total Number of Sponsors
1
Democrat Sponsors
1
Republican Sponsors
0
Unaffiliated Sponsors
0
Total Number of Cosponsors
198
Democrat Cosponsors
115
Republican Cosponsors
78
Unaffiliated Cosponsors
5

Policy Area and Potential Impact of Bill S 1467

Primary Policy Focus

Finance and Financial Sector

Alternate Title(s) of Bill S 1467

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.
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.

Comments

Pablo Nichols profile image

Pablo Nichols

41,462

9 months ago

I can't believe this bill is passing, it's gonna mess everything up for us. Who's gonna be impacted by this?

Sponsors and Cosponsors of S 1467

Jack Reed
Jack Reed
Rhode IslandDemocrat
Sheldon Whitehouse
Sheldon Whitehouse
Rhode IslandDemocrat
Peter Welch
Peter Welch
VermontDemocrat
Ron Wyden
Ron Wyden
OregonDemocrat
Chris Van Hollen
Chris Van Hollen
MarylandDemocrat
Thom Tillis
Thom Tillis
North CarolinaRepublican

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