03/14/2026
Big Win for Homebuyers!
On March 5, Congress passed the Homebuyers Privacy Protection Act, and it’s going to make the mortgage process a lot less stressful for buyers. https://nationalmortgageprofessional.com/news/trigger-lead-restrictions-begin-homebuyers-privacy-protection-act-takes-effect
Here’s what it means:
When a homebuyer applies for a mortgage and their credit is pulled, that inquiry used to trigger the credit bureaus to sell their information to other lenders.
New law passed to protect homebuyers information.
- Buyers would suddenly get dozens of incredibly disruptive phone calls, texts, and emails from random lenders they’ve never spoken to.
- This new law greatly restricts those “trigger leads.”
- Other lenders can’t access your information unless you opt-in
- Or they already have an existing relationship with you
This new law:
- Protects homebuyers from unwanted solicitations and protect their privacy during the homebuying process.
The Homebuyers Privacy Protection Act, a bipartisan measure introduced in the Senate by Sens. Jack Reed and Bill Hagerty, and in the House by Reps. John Rose and Ritchie Torres, officially takes effect Thursday, March 5.The bill, signed by President Trump on September 5, 2025, revises the Fair Credi...
