How Prohibiting Trigger Leads May Affect Mortgage Marketing

Co-Author, Law360, Sept. 23, 2025

On Sept. 5, President Donald Trump signed the Homebuyers Privacy Protection Act into law, following the U.S. Senate’s voice vote on the measure on Aug. 2.

The law amends the Fair Credit Reporting Act to prohibit the sale of trigger leads to mortgage brokers, originators and other third parties unless certain circumstances apply. Trigger leads often result when credit bureaus sell information about a consumer to a third party after the party fills out an application for a mortgage.

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