VICTORY!! The Consent of the Governed Wins Again!! No More Trigger Leads

 

“Welcome Peace of Mind: New Privacy Law Shields You from Trigger Leads”

A Big Win for Homebuyers

On September 5, 2025, President Trump signed the Homebuyers Privacy Protection Act (H.R. 2808) into law—finally putting an end to the flood of unwanted mortgage solicitations that many homebuyers experienceThe White HouseNational Mortgage Professional.

President Trump Signs Into Law:  https://youtube.com/shorts/m5uhXJA6O0E?si=MqiZPp1vhmaelO3L

What Are Trigger Leads?

When you apply for a mortgage, the lender pulls your credit report—a “hard inquiry.” That inquiry “triggers” your information to be added to a list sold by credit bureaus (Experian, Equifax, TransUnion) to third-party lenders, known as trigger leads. In short, other companies see you’re looking for a mortgage and immediately start reaching out.DefaultLuminate BankWikipedia

How Are They Used—and Misused?

These leads are legal under the Fair Credit Reporting Act, intended to help consumers compare loan offersDefaultNational Law Review. But the reality often feels intrusive. Many borrowers report being bombarded with unsolicited calls, texts, and emails—sometimes from impersonators or predatory companies—creating confusion, stress, and even risks of fraudLuminate BankDefaultThe Wall Street Journal+1National Law ReviewAmerica's Credit Unions.

What the New Law Does

H.R. 2808 now places commonsense guardrails around when a credit bureau can share your data:

  • It only allows sharing if there’s a firm offer of credit and one of the following is true:

    1. The buyer has your explicit consent,

    2. You already have a mortgage originator or servicer, or

    3. The buyer is a bank or credit union with an account in your name.Congress.govAmerica's Credit Unions

This means no more surprise junk offers from strangers. The law takes effect 180 days after enactment, giving regulators time to define enforcement detailsCongress.govBetter Mortgage.

Why It Matters

Until the Law Is Active: What You Can Do

You're not powerless until then! You can already opt out:

Bottom Line

With this new law, your privacy while buying a home is finally gaining some serious protection. No more sudden deluges of offers—you stay in control. If you’d like help crafting a short version for your website or social media, I’ve got you covered!

LinkedIn Article (Concise, Professional)

Title: Empowering Borrowers: The Homebuyers Privacy Protection Act Becomes Law

Post:

I’m thrilled to share that as of September 5, 2025, the Homebuyers Privacy Protection Act (H.R. 2808) has been signed into law. It’s a milestone in protecting borrowers’ data and privacy during the mortgage process.The White HouseNational Mortgage Professional

What Are Trigger Leads?
When you apply for a mortgage, your lender pulls your credit. That “hard inquiry” can cause your data to be sold to other lenders—triggering unsolicited calls, emails, and texts. This legal practice has created headaches and privacy concerns for many.DefaultWikipediaLuminate Bank

How This Law Changes Things
Under H.R. 2808, credit bureaus can only share your report if:

  • There’s a firm offer of credit, and

  • The recipient either has your consent, is your current lender/servicer, or is a bank or credit union with a relationship to you.Congress.govAmerica's Credit Unions

This restores peace and privacy for borrowers—and helps shift competition toward trust and transparency. The new rules take effect 180 days after enactment.Better Mortgage

Still Waiting for That Window?
You can opt out now via OptOutPrescreen.com and register at DoNotCall.gov to reduce unwanted outreach.Luminate Banksecurityfederalbank.comfsbctx.bank

Let’s celebrate a future where homebuying is about relationships—not spam.

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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https://www.nmlsconsumeraccess.com

Contact: 972-832-5761

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