Trigger Lead Legislation

Trigger Leads Might Finally Be Getting Triggered

Here's What That Means for Homebuyers

“Just because someone pulled your credit doesn’t mean your phone should become a battleground.” — Every borrower ever

If you’ve ever applied for a mortgage and then gotten bombarded with unsolicited calls, texts, and offers within hours… you’ve met the world of trigger leads. But finally — finally — the House of Representatives has voted to do something about it.

🏛️ What Happened?

On June 12, 2025, the U.S. House passed HR 7297 (the “Homebuyers Privacy Protection Act”), a bipartisan bill that aims to eliminate unsolicited mortgage solicitations that happen the moment your credit is pulled by a lender.

These aggressive marketing tactics are made possible by “trigger leads” — a practice where credit bureaus sell your data in real time to other lenders when your credit report is accessed for a mortgage inquiry.

🧨 Why It Matters

Trigger leads are frustrating for borrowers and a serious privacy concern. The constant calls often lead to confusion, misinformation, and unnecessary stress — especially for first-time homebuyers or those navigating the process alone.

As a mortgage strategist, I’ve had clients pause or even abandon the homebuying journey because of the overwhelming noise that trigger leads create. HR 7297 could change that.

🔒 What the Law Would Do

If passed in the Senate and signed into law, the bill would:

• Ban the sale of trigger leads without borrower consent

• Protect consumers’ privacy and prevent abuse by bad actors

• Still allow comparison shopping — but on your terms

This means you can shop for your mortgage without your phone blowing up like it’s Black Friday.

💡 What Should You Do Right Now?

Until the law is finalized, borrowers should stay alert:

• Let your mortgage advisor know if you're being solicited

• Avoid sharing personal info with unfamiliar callers

• Work with someone you trust who can guide you through the noise

And yes, we’ll keep you updated when the bill moves through the Senate — because real privacy shouldn’t be optional.

✨ Blog Description:

The House passed HR 7297, a bill to ban trigger leads — a big win for borrower privacy. Learn what this means for you and how it could change the mortgage experience for good.