Congress Passes the Homebuyers Privacy Protection Act to Ban Unwanted Mortgage Trigger Leads
This bill became law on September 4, 2025. It is no longer moving through Congress because it has been enacted. Federal agencies are now responsible for putting the new rules into practice.
The bill has already passed both the House and Senate and is waiting to be signed into law.
This bill’s path across every version that has carried it.
Reintroduced
Reintroduced from H.R. 7297 (118th), which died when its Congress ended.
H.R. 7297 (118th) →Scores run from -100 (strongly harmful) to +100 (strongly beneficial) for each group, combining impact, certainty, scope, and duration ratings of 1-5. How impact scoring works
Smaller mortgage brokers and lenders who relied on purchasing trigger leads to find new customers will lose a key marketing channel. These businesses often used trigger leads as a cost-effective way to compete with larger banks, so losing access may make it harder for them to reach potential borrowers and grow their business.
Became Public Law No: 119-36.
The President signed it. This is now the law of the land.
Signed by President.
The President signed it. This is now the law of the land.
Presented to President.
Both chambers passed identical text. The President has 10 days to sign it into law or veto it.
Message on Senate action sent to the House.
Passed Senate without amendment by Unanimous Consent. (consideration: CR S5522)
The Senate voted to approve this bill. If the House already passed it, it goes to the President.
The Homebuyers Privacy Protection Act officially takes effect Thursday, March 5. The bill, signed by President Trump on September 5, 2025, revises the Fair Credit Reporting Act (FCRA) to sharply limit the use of mortgage trigger leads, marking a significant change in how consumer data is used.
President Donald Trump has signed the bipartisan Homebuyers Privacy Protection Act (H.R. 2808) into law, officially curbing the controversial practice of selling mortgage “trigger leads.” The legislation received overwhelming bipartisan support, clearing Congress with ease.
Attorney General Gordon C. Rhea is calling on Congress to swiftly pass the Homebuyers Privacy Protection Act of 2025. The bill would restrict trigger lead usage to businesses with a prior relationship with the consumer or those who have received explicit consent.
No votes recorded for this bill yet.
Document Type
Congressional Bill
Official Title
Homebuyers Privacy Protection Act
Analysis generated by AI. Always verify with official sources.