A mortgage report request may not be used to furnish a report to someone else
To amend the Fair Credit Reporting Act to prevent consumer reporting agencies from furnishing consumer reports under certain circumstances, and for other purposes, section 2, Sec. 2.
Written by .
A mortgage report request may not be used to furnish a report to someone else
The document says “may not”Who acts: consumer reporting agenciesHow: statuteSec. 2 in the PDF
What the document says
“``(B) Limitation.--If a person requests a consumer report from a consumer reporting agency in connection with a credit transaction involving a residential mortgage loan, that agency may not, based in whole or in part on that request, furnish a consumer report to another person under this subsection”
The paragraph added to section 604(c) of the Fair Credit Reporting Act (15 U.S.C. 1681b(c)) provides that where a person requests a consumer report in connection with a credit transaction involving a residential mortgage loan, the consumer reporting agency may not furnish a consumer report to another person under that subsection based in whole or in part on that request. The prohibition is subject to the conditions set out in the two entries below.
What the document actually says
“``(B) Limitation.--If a person requests a consumer report from a consumer reporting agency in connection with a credit transaction involving a residential mortgage loan, that agency may not, based in whole or in part on that request, furnish a consumer report to another person under this subsection”
That sentence, in plain words
A firm asks a credit bureau for your report to help with a home loan. The bureau may not use that ask to send a report about you to someone else.
What this is about
The rule is about what a credit bureau may hand out. The next part sets out when it still may.
No action is recorded against this proposal. That is not evidence that none has been taken, and nobody has yet read it against the record. See what the tracker does not yet cover.
Homebuyers Privacy Protection Act, Public Law 119-36, sec. 2, 139 Stat. 493 (2025). https://www.govinfo.gov/content/pkg/PLAW-119publ36/html/PLAW-119publ36.htm
This page
“A mortgage report request may not be used to furnish a report to someone else,” Homebuyers Privacy Protection Act, section 2, Sec. 2. Read the Mandate, https://readthemandate.org/homebuyers-privacy-protection-act/proposal/sec02-limitation-on-furnishing/ (retrieved October 10, 2026).
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