Author: Heather Wagner, VP/Senior Lending Compliance Analyst

On September 5, 2025, the Homebuyers Privacy Protection Act was signed into law, putting an end to unsolicited calls, emails, and texts from various lenders after applying for a mortgage.

What is the problem?
When you apply for a home loan, your credit is pulled, and that event can trigger what’s known as a “trigger lead.” This allows credit bureaus to legally sell your personal information to other lenders, resulting in dozens of unsolicited calls, texts, and emails.

Until now.….

How does the new law protect you?

Trigger leads are now banned under federal law. This means that after you apply for a mortgage, your personal information won’t automatically be shared or sold unless:

• You’ve opted to allow your information to be shared.
• The lender receiving your information has an existing and documented financial relationship with you, such as your mortgage servicer or bank.

Why is this important?
The new law gives you greater control over your personal and financial information. You’ll no longer be bombarded or confused by unsolicited mortgage offers right after applying for a mortgage.

• You control who has access to your financial information.
• You control who is allowed to contact you.

This is a huge win for anyone buying or refinancing a home.

When does the law take effect?
The law goes into effect 180 days after signing on March 4, 2026.

To learn about our home loans, click here.

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