New law targets spam calls fueled by mortgage trigger leads
“While you’re anxiously at home waiting to see if you can afford your dream house,” he said, “your information is, unbeknownst to you, being sold off to other lenders and brokers.”
How the new trigger lead law works
The Homebuyers Privacy Protection Act (HPPA), signed by President Donald Trump on September 5, 2025, and effective March 5, 2026, amends the Fair Credit Reporting Act (FCRA) to restrict who can access trigger lead data.
Credit bureaus may now only sell that information to lenders with a preexisting relationship with the borrower, such as the current bank or loan servicer, unless the consumer explicitly opts in.
“Congress passed a new law called the Homebuyers Privacy Protection Act, which limits who credit bureaus can sell these mortgage trigger leads to,” Colvin said.
“Credit bureaus can only sell this information to lenders that have an existing relationship with the home buyer.”
