Applying for a home loan would no longer let credit bureaus freely use that credit check to send your report to other companies for prescreened offers. Those companies would need your permission or a current relationship with you. The bill has passed the Senate but is not law yet.
Modern Action explains legislation in plain English, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
Homebuyers Privacy Protection Act is a House bill awaiting final action. The latest recorded action: Held at the desk.
Latest action on S. 1467: Held at the desk.
Who this affects: This bill mainly affects people applying for home loans. It also affects credit bureaus, mortgage lenders, insurers, banks, credit unions, and mortgage servicers that use mortgage credit checks to make prescreened offers or manage customer accounts.
Why this matters: Home loan applicants can face a wave of offers after one mortgage credit check, and this bill would narrow who can use that credit data. It aims to protect privacy during the homebuying process while still allowing access for companies with permission or an existing customer relationship. The bill may reduce unwanted offers, but it may also reduce the number of competing offers some borrowers see.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
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Officially: Homebuyers Privacy Protection Act
Applying for a home loan would no longer let credit bureaus freely use that credit check to send your report to other companies for prescreened offers. Those companies would need your permission or a current relationship with you. The bill has passed the Senate but is not law yet.
Use this page to support, oppose, or ask Congress to amend S.1467. Modern Action explains Homebuyers Privacy Protection Act in plain English, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Passed Senate. Now before the House.
This is the moment to act.
↓ Why your message matters here
This bill passed the Senate and is now before the House — this is the moment to act.
Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.
Where this bill is in the process
Introduced
Introduced in Senate
Senate Committee
Under Senate committee consideration
Senate Floor Vote
Voted on by Senate
Passed Senate
Approved by Senate
House Review
Sent to House for consideration
Latest: Held at the desk. (6/17/2025)
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your House representative when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to Homebuyers Privacy Protection Act, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it would do, where it is in the process (desk), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around S.1467, your stance, and the reasons you choose, then lets you edit and send when ready.
