On August 2, 2025, the Senate unanimously passed the Homeowners Privacy Protection Act of 2025, a bill that severely restricts the use of trigger leads. The bill previously passed the House and now heads to President Trump's desk for his signature and enactment into law.
NAR and a broad coalition of partners fought for years to end the use of mortgage credit trigger leads, an abusive practice where after applying for a mortgage loan, credit reporting agencies sell a consumer's data, without the consumer's knowledge or consent, to other competing lenders or mortgage brokers as leads. Consumers are then inundated with dozens of calls, emails, and texts from mortgage brokers and lenders looking to take business from the original lender. Consumers are not aware that the information that they've applied for a loan has been sold and have limited opportunities to opt out. Consumers are left frustrated, often thinking that their agent or lender has sold their information when the opposite is true.
Both chambers had previously passed their own version of the Homeowners Privacy Protection Act of 2025 in June. However, the Senate decided to take up the House-passed version, a bill that includes a study of the usefulness of text trigger leads, and passed the bill without objection.
After President Trump's signature, trigger leads will be severely limited starting in six months. NAR will continue to monitor the implementation and ensure that our members and consumers are protected.
NAR particularly thanks Senators Bill Hagerty (R-TN) and Jack Reed (D-RI), and Representatives John Rose (R-TN) and Ritchie Torres (D-NY) for their leadership on this issue.