Congress Takes a Stand Against “Trigger Leads”

 


Curious about how your credit report affects the homebuying journey—and what recent federal action means for your privacy? Here’s some great news and tips for Realtors, homebuyers, and homeowners alike:

Congress Takes a Stand Against “Trigger Leads”

Late on June 23, 2025, the U.S. House of Representatives passed H.R. 2808—known as the Homebuyers Privacy Protection Act—by unanimous voice vote, following the Senate’s unanimous consent approval of its companion bill, S. 1467, less than two weeks earlier nationalmortgageprofessional.com. This bipartisan legislation, championed by Reps. John Rose (R-TN) and Ritchie Torres (D-NY) in the House and Senators Jack Reed (D-RI) and Bill Hagerty (R-TN) in the Senate, will curb the abusive “trigger lead” practice—where credit bureaus sell your credit pull to third-party marketers—while still allowing your trusted lenders and Realtors to see your report when you’ve invited them to help you find the right loan congress.gov.

Why This Matters for Your Credit Report

  • Greater Control & Privacy: Once signed into law, H.R. 2808 will prohibit credit agencies from sharing your mortgage-related credit report unless you explicitly consent or the party has an existing relationship (e.g., your current lender) congress.gov.

  • Fewer Unwanted Calls: No more endless calls or emails from uninvited lenders hawking offers the moment you apply for pre-approval.

  • Confidence to Shop: You can authorize your Realtor or mortgage loan officer—like me—to pull your report without fear of “leakage” to unknown parties.

Tips for Realtors & Loan Officers

  1. Educate Your Clients: Explain how they can order free annual credit reports at annualcreditreport.com and set up fraud alerts or freezes if they wish mba.org.

  2. Obtain Proper Consent: Always get written or recorded permission before pulling a client’s credit—this practice will soon be mandatory by law.

  3. Leverage Pre-Approvals: Use soft-pull options when possible to protect privacy, and reassure clients that you won’t trigger unsolicited marketing.

Action Steps for Homebuyers & Homeowners

  • Review & Correct: Pull your credit from all three bureaus (Experian, TransUnion, Equifax) and dispute any inaccuracies promptly.

  • Monitor Regularly: Consider credit-monitoring services or free score trackers, especially if you plan to shop multiple lenders.

  • Partner Wisely: Work with Realtors and loan officers who follow best practices for consent-based credit pulls—this ensures privacy and smooth transaction flow.

By staying informed and proactive, you’ll navigate the mortgage process with confidence and keep your personal information exactly where it belongs: in your control.

—————

About Between Two Doors
Between Two Doors is a podcast where I talk with Realtors about their journey, aiming to connect home buyers and sellers with agents on a more personal level. I ask "right brain" questions that go beyond transactions, focusing on the experiences, values, and passions that make these professionals great at what they do.

Listen to more episodes at: https://www.betweentwodoors.com

Sponsored by:
Premier Lending, Inc.
https://www.natecarver.com

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Licensed by the Department of Financial Protection and Innovation (DFPI). Equal Housing Opportunity.
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Contact: 972-832-5761

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Location: McKinney, TX, USA

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