• Trigger leads were more than a nuisance for homebuyers and brokers—they were a consumer data privacy violation.

• When a homebuyer had their credit pulled, it triggered a chain reaction.

• The credit bureaus sold personal consumer data (full name, contact information, credit score range, and more) to other lenders and telemarketers without consent.

• The result: borrowers were flooded with unsolicited—and often deceptive—calls, texts, and emails.

• Stops the sale of personal consumer data at the source: the credit bureaus.

• Ends abusive practices while preserving narrow exceptions and allowing consumers to opt in.

• Protects homebuyers from a flood of spam calls, texts, and emails.

• Restores trust in the mortgage process.

• Current Servicer: Allows the borrower’s existing servicer to continue monitoring their asset.

• Current Originator: Allows the company that originated the mortgage (brokerage or lender) to maintain contact with the borrower.

• Current Banking Relationship: Allows financial institutions where the borrower already has accounts to communicate as established relationships.

The Homebuyers Privacy Protection Act was signed into law on September 5, 2025, and went into effect on March 5, 2026.

After years of complaints from consumers and mortgage professionals alike, the nonstop trigger lead calls and texts have stopped.

Our supporters told us this was their top priority—and we made it happen. We now need your support. Every dollar counts, and even $5 a month helps fuel this fight.

Join the BAC Facebook Group, attend our next monthly Advocacy for All Call, and be part of what’s next.

Advocacy works—and with your support, the momentum continues.