Homebuyers get fewer unwanted credit card offers when buying a house
H.R. 2808 — Homebuyers Privacy Protection Act · Filed by John Rose (R-TN) · 89 cosponsors · Introduced Apr 10, 2025 · Signed
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What it does
This law stops credit firms from sharing reports about people who are buying homes. These reports are used to send unwanted offers for credit cards and loans. Credit firms can only share these reports with the bank handling the home loan. They can also share with a bank where the person has an account. Or they can share if the person says yes. The law asks a government office to study how much money firms make from texts about home loans.
Who it affects
People buying homes get fewer unwanted credit offers while they shop. Banks that handle home loans can still get these reports. Banks where people have accounts can also get these reports. The law does not change how banks decide to give home loans.
One thing to notice
Banks that handle a person's home loan keep the right to get credit reports. Other firms that try to sell credit to home buyers lose that right.
From the analysis of the bill text, linked under Primary records below.
Where it stands
89 cosponsors: 55 Republicans, 33 Democrats, 1 Independents.
- Apr 10, 2025 — Introduced · Congress.gov: “Introduced in House”
- Apr 10, 2025 — Referred to House Committee on Financial Services · Congress.gov: “Referred to the House Committee on Financial Services”
- Jun 10, 2025 — Markup held in committee · Congress.gov: “Committee Consideration and Mark-up Session Held”
- Jun 10, 2025 — Reported out of committee · Congress.gov: “Ordered to be Reported (Amended) by the Yeas and Nays: 46 - 0”
- Jun 23, 2025 — Passed the House · Congress.gov: “On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2876)”
- Jun 23, 2025 — Floor vote scheduled · Congress.gov: “Mr. Rose moved to suspend the rules and pass the bill, as amended”
- Aug 2, 2025 — Passed both chambers · Congress.gov: “Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522)”
- Aug 25, 2025 — Sent to president · Congress.gov: “Presented to President”
- Sep 5, 2025 — Signed into law · Congress.gov: “Became Public Law No: 119-36”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Money around this bill
8 groups reported lobbying about this bill. They filed 10 reports from Dec 2025 to Jun 2026.
Those reports show $22,775,000 in lobbying spending. Each report lists about 12 bills. So that money was not all for this bill.
More groups named this bill than 88% of bills with any report.
John Rose, who sponsored the bill, received $19,000 from PACs for the 2026 election.
- National Association of Realtors — $14,580,000 in 1 report
- AARP — $5,300,000 in 1 report
- Mortgage Bankers Association — $1,220,000 in 1 report
- United Services Automobile Association — $550,000 in 1 report
- Rocket Lp Fka Rkt Holdings — $520,000 in 1 report
Lobbying is legal. These reports show who lobbied about this bill, not what changed.
Words to know
- credit firms — Companies that collect and share credit and money facts about people
- government office — A part of the government that studies how markets and rules work
- lobbying — Trying to influence lawmakers about a bill. Companies and groups pay people to do this.
- PACs — Groups that collect money and give it to candidates for office.
- sponsored — To sponsor a bill is to introduce it in Congress and put your name on it.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (2,887 characters) on Apr 9, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 14,342 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
Money — Senate Lobbying Disclosure Act filings whose specific-issue field names this bill for quarters ending Dec 2025 to Jun 2026. A filing's amount is reported whole beside the median number of bills a filing names; it is never divided across them. PAC receipts are FEC-reported contributions to the sponsor's candidate committee in the 2026 cycle.
As of — lobbying records through Jul 20, 2026 · page rendered 2026-09-18.
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