Trigger Leads Are Being Shut Down, Here’s What That Means

If you’ve ever applied for a mortgage and suddenly received a flood of calls, texts, or emails from lenders you’ve never heard of, you’re not alone.

But that’s changing.

As of September 5, 2025, a new law called the Homebuyers Privacy Protection Act (H.R. 2808) was signed to protect your privacy and give you more control over your personal information when applying for a mortgage.

Here’s what you need to know.

What Was the Problem?

Let’s say you apply for a mortgage with a lender or broker you trust. As part of the process, they check your credit. That credit check can get flagged by the credit bureaus and sold as a “trigger lead.”

That means other lenders, ones you didn’t contact, can buy your information and start reaching out aggressively. For many homebuyers, it feels like being ambushed.

You didn’t ask for it. You didn’t agree to it. And frankly, it’s confusing and overwhelming, especially during what should be an exciting time.

What the New Law Does

The Homebuyers Privacy Protection Act puts a stop to this.

Under the new law, lenders and credit bureaus can’t share your credit information with other companies unless:

• You give them permission, or
• They’re the lender you’re working with, or
• They’re your current bank or credit union

That’s it. No more selling your info to random companies just because you applied for a loan.

How This Helps You

Fewer Unwanted Calls and Spam

Once this law kicks in (expected around March 2026), you won’t get flooded with offers you didn’t request.

More Control Over Who You Work With

You get to choose the lender or mortgage broker you trust, without outside pressure or confusion.

Less Stress, More Clarity

Buying a home can already feel overwhelming. This law simplifies things and helps you focus on what matters: finding the right mortgage for your needs.

What to Watch For

The law goes into effect 180 days after it was signed, so these protections should be fully in place by spring 2026.

Until then, here are a few tips:

• If you’re getting lots of mortgage spam, let your broker or lender know. There are opt-out options you can request now.
• Be cautious about sharing personal information online or through forms unless you know who you’re dealing with.
• Work with a mortgage professional who puts your privacy and interests first.

Bottom Line

This new law is a big win for homebuyers. It ensures your personal information stays personal, and that you stay in control of the mortgage process.

If you’re getting ready to buy a home or just starting to explore your options, we’re here to help you make sense of it all, with clear guidance, competitive rates, and a smooth, stress-free process.

Have questions? Want to talk through your goals? Let’s connect.