Senate Passes Homebuyers Privacy Protection Act to End Harassing Calls for Mortgage Seekers
The Homebuyers Privacy Protection Act has passed the Senate and is currently waiting at the desk. It is actively moving through the legislative process. There are no upcoming scheduled actions at this time.
The bill passed the Senate with strong support and addresses a common consumer complaint that lawmakers in both parties want to fix.
This bill’s path across every version that has carried it.
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
Small mortgage brokers and independent lenders who rely on purchasing prescreened leads from credit bureaus to find potential customers will lose a key source of new business. These companies often compete with larger banks by reaching out to consumers who are actively shopping for mortgages. Without access to these leads, smaller lenders may struggle to attract new borrowers, potentially reducing competition in the mortgage market.
Held at the desk.
Received in the House.
The House has received the Senate-passed bill and will decide whether to take it up.
Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)
The Senate voted to approve this bill. If the House already passed it, it goes to the President.
Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent. (text: CR S3395-3396)
The Senate voted to approve this bill. If the House already passed it, it goes to the President.
Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent. (consideration: CR S3395-3396)
The Homebuyers Privacy Protection Act officially took effect on March 5, 2026, ending the practice of credit bureaus selling 'trigger leads' to third-party lenders without consumer consent. Lenders can now only access these leads if they have an existing relationship or the consumer opts in.
After nearly a decade of advocacy from mortgage groups, the Homebuyers Privacy Protection Act has been implemented. The law restricts credit reporting agencies from selling consumer data to third-party brokers and lenders immediately following a credit check for a home loan.
President Trump signed bipartisan legislation aimed at ending 'trigger leads,' which often result in homebuyers being inundated with unsolicited calls and texts. The new law ensures that after March 2026, only lenders with prior consent or an existing relationship can contact applicants.
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.