What Is the Homebuyers Privacy Protection Act?
Signed into law on September 5, 2025, this bipartisan legislation puts an end to the controversial practice of selling trigger leads—a process where credit bureaus sell your mortgage application data to other lenders without your consent.
Previously, applying for a mortgage could “trigger” a barrage of unsolicited calls, texts, and emails from lenders you’ve never contacted. These offers often looked official, causing confusion and even leading to scams—especially among older adults who make up a large portion of U.S. homeowners.
How Does the Law Protect You?
Starting March 5, 2026, credit bureaus will only be allowed to share your mortgage-related data if:
- You explicitly opt in.
- The recipient is your current lender, loan servicer, or a company you already do business with.
- The offer is real and pre-qualified, not just a marketing ploy.
This means:
- Fewer unwanted calls and emails.
- Greater control over your personal financial information.
- A simpler, less stressful mortgage process.
Why This Is Good News for Our Clients
At Gateway, we believe your privacy is paramount. This law helps ensure that:
- Your mortgage journey is secure and transparent.
- You’re not distracted or misled by third-party solicitations.
- You can focus on finding the right loan with trusted professionals, not navigating a maze of unsolicited offers.
What You Can Do Now
Although the law takes effect in 2026, you can start protecting your privacy today:
- Opt out of pre-screened credit offers at OptOutPrescreen.com.
- Register your phone number at DoNotCall.gov.
- Work directly with your lender and avoid responding to unsolicited offers.
Final Thoughts
The Homebuyers Privacy Protection Act is a major win for consumers and mortgage professionals alike. It empowers you to take control of your data and ensures that your homebuying experience is focused on what matters most, finding the right home and the right loan, with the right team by your side.
If you have questions or want to learn more about how this law affects your mortgage options, our team is here to help. Let’s make your homebuying journey safer, smoother, and more secure.
References
Trump Signs Homebuyers Privacy Protection Act, Ending Abusive Trigger ...
