BAC Applauds Landmark Passage of Trigger Lead Ban

Congress Bans Abusive Trigger Lead Practices After Mortgage Broker & Industry Push

The BAC welcomes the passage of the Homebuyers Privacy Protection Act, bipartisan legislation that bans abusive trigger lead practices and limits the sale of consumer data without consent. With the Senate passing the House version on August 2, the bill has officially cleared Congress and now heads to the President’s desk. The BAC urges President Trump to sign the bill into law without delay and end these invasive practices once and for all.

Trigger Lead FAQs

  • Trigger leads are consumer data alerts sold by credit bureaus to lenders when someone applies for a mortgage. Once a credit check is pulled for a mortgage application, that information is flagged—and the consumer may be flooded with calls, texts, and emails from competing lenders.

  • Consumers don’t consent to their information being sold. Many are misled into thinking these calls are from their chosen lender or a government agency. This creates confusion, erodes trust, and exposes homebuyers to potentially predatory tactics at a vulnerable time.

  • Unfortunately, yes—under current federal law, credit bureaus can sell “prescreened” credit information for marketing purposes, including when someone applies for a mortgage. That’s why legislation is needed to change it.

  • The Homebuyers Privacy Protection Act prohibits the sale of mortgage-related trigger leads unless the consumer has given explicit permission or in carefully considered exceptions. It’s a major step toward putting consumers—not data brokers—in control of their personal financial information.

Thank You to Our Partners

Your Support Makes This Work Possible

Trigger Lead Coalition: Recognizing Just a Few Who Helped Make This Happen

These organizations, among others, stood with us to help end abusive trigger leads.

Recent Media Coverage

We’re Just Getting Started

Help Us Keep Winning for Brokers & Consumers

“If you want more of this kind of progress, brokers need to keep showing up—and start funding the fight.

We’ve proven that when brokers get behind an issue, real change is possible. Now it’s time to keep that momentum going—and take on what’s next.”

Brendan McKay, BAC Chief Advocacy Officer & Co-Founder

Bill Milestones

[✓] Introduced → [✓] House Committee Markup → [✓] Senate Vote → [✓] House Vote → [ ] Signed into Law

Bill Milestones:

  • On April 10, 2025, H.R. 2808 was introduced by Rep. John Rose (R-TN) and Rep. Ritchie Torres (D-NY).

  • On April 10, 2025, S. 1467 was introduced by Sen. Jack Reed (D-RI) and Sen. Bill Hagerty (R-TN).

  • On June 11, 2025, H.R. 2808 passed the House Financial Services Committee—with a unanimous 46-0 vote.

  • On June 12, 2025, S. 1467 was passed by the Senate by unanimous consent.

  • On June 23, 2025, H.R. 2808 was passed by the House.

  • On August 2, 2025, the Senate passed the House version of the bill.

Trigger Lead Resources

Get the word out. These resources make it easy to inform and activate your network—they’re designed to be shared, so pass them on.

📄 Read: Trigger Lead Step by Step Process

A clear, step-by-step overview of the legislative process for the Trigger Lead Bill—explaining where things stand and what comes next.

📄 Read: Quick Guide to Trigger Leads

A clear, printable overview you can share with clients, colleagues, or lawmakers.

🎥 Watch: Trigger Leads Explained In Under a Minute

Watch and share this short Instagram video by Rebecca Richardson (@the.mortgage.mentor) that breaks it all down—fast.

🎥 Watch: Stop Your Data from Being Sold

Braiden Shaw (@braidenshaw) joins the fight to stop abusive trigger leads and encourages his 1.3M followers to send letters to Congress.

What’s Next?

The fight for brokers and homebuyers doesn’t stop here. Stay involved and help us drive the next big win.