New Federal Law Bans Abusive Use of Trigger Leads

September 8, 2025

Share this article

New Federal Law Bans Abusive Use of Trigger Leads


On Friday, September 5, President Donald Trump signed the Homebuyers Privacy Protection Act into law. The legislation establishes a nationwide ban on the abusive use of trigger leads, set to take effect March 5, 2026.


Trigger Leads: A Long-Time Concern for Homebuyers 


Trigger leads have long been a concern in the mortgage industry. When a consumer applies for a mortgage, their information may be sold to other lenders, often resulting in a flood of unsolicited calls, texts, and emails. The new law aims to put an end to this practice by giving homebuyers greater control over how their personal information is used.


How the “Trigger Leads Bill” Became Law


The bill was co-sponsored by U.S. Representatives John Rose (R-Tenn.) and Ritchie Torres (D-N.Y.), reflecting broad bipartisan support. A previous version cleared the Senate in late 2023 but stalled in the House. This year, momentum grew—driven in part by advocacy from mortgage industry trade groups—and the measure ultimately passed both chambers of Congress before reaching the President’s desk.

A number of industry leaders have praised the legislation. “This new law is a major victory for mortgage borrowers that will protect them from the barrage of unwanted calls, texts and emails they too often received immediately after applying for a mortgage,” said Bob Broeksmit, President and CEO of the Mortgage Bankers Association. “It will create a more efficient, responsible, and respectful home buying process when it goes into effect on March 5, 2026.”

Under the new law, companies may not make offers of credit unless the consumer has provided explicit consent, or the offer comes from their existing originator, servicer, bank, or credit union. This ensures borrowers are contacted only by parties they have chosen to work with.

Closing Thoughts


For homebuyers, the law represents an important step toward protecting personal information during one of life’s biggest financial decisions. By curbing the misuse of trigger leads, consumers will experience fewer unwanted solicitations and a more focused, transparent mortgage process.

Recent Posts

October 1, 2025
Bank statement loans make it possible to qualify using your bank statements instead of traditional income documentation.
September 24, 2025
Informed Delivery grants you the ability to digitally preview mail before it arrives at your mailbox, helping you track your mail without checking your mailbox.
September 17, 2025
As interest rates are trending downward, this shift is opening the door to new opportunities to lower monthly payments, consolidate debt, or tap into home equity.
September 17, 2025
As interest rates are trending downward, this shift is opening the door to new opportunities to lower monthly payments, consolidate debt, or tap into home equity.
September 8, 2025
In March 2026, the Homebuyers Privacy Protection Act will put an end to the unwanted solicitations many buyers receive after submitting a mortgage application.
September 3, 2025
Back-to-school season is here. Many Gen Z students are benefitting from a part-time job during the school year.
September 3, 2025
Back-to-school season is here. Many Gen Z students are benefitting from a part-time job during the school year.
August 27, 2025
Mortgage strategies for retirement planning, including refinancing for retirement and more.
August 27, 2025
Mortgage strategies for retirement planning, including refinancing for retirement and more.
August 21, 2025
Refinances currently account for 46.5% of all mortgage activity. Is your home loan working for you? More homeowners are taking a strategic, big-picture approach to their finances—and home equity is playing a big role in that shift. With high-interest debt, rising living costs, and growing home equity balances, many of
Show More