HR 2808 · Signed into Law · 09-05-25
Homebuyers Privacy Protection Act
Under review (October 2026): a figure or condition on this page is being re-checked against the bill text. See Corrections.
What does the Homebuyers Privacy Protection Act do?
HR 2808 is a House bill sponsored by Rep. John W. Rose (R-TN). Cracks down on mortgage 'trigger leads' by barring credit bureaus from selling a homebuyer's information to other lenders when the buyer applies for a mortgage, unless the buyer agreed or the lender already works with them.
Did HR 2808 pass? Where it stands
As of September 1, 2026, HR 2808 has been signed into law.
Status: Signed into Law
Latest vote: Senate Passed by unanimous consent on August 2, 2025
Outlook: Enacted
Key provisions
- Mortgage Trigger Leads
- Limits selling a mortgage applicant's credit data to other lenders
- Allowed only with consumer consent or an existing relationship
- Must be a firm offer of credit or insurance
- GAO Study
- GAO study on text-message trigger leads within 1 year
Last updated June 15, 2026