A Milestone for Homebuyers: Trigger Leads Officially Banned

On September 5, 2025, President Donald Trump signed the Homebuyers Privacy Protection Act (H.R. 2808) into law, delivering long-awaited relief to homebuyers across the nation. Beginning March 5, 2026, the practice of selling “trigger leads” — which has inundated borrowers with unwanted calls, texts, and emails immediately after applying for a mortgage — will officially come to an end.

This bipartisan legislation, co-sponsored by Reps. John Rose (R-Tenn.) and Ritchie Torres (D-N.Y.), along with Sens. Bill Hagerty (R-Tenn.) and Jack Reed (D-R.I.), passed both the House and Senate with broad industry support.

What This Means for Borrowers

• Stronger privacy protections: Credit offers can no longer be made without explicit consumer consent.

• Fewer distractions: Homebuyers won’t face a barrage of aggressive sales tactics from unfamiliar lenders.

• Trusted relationships: Offers will only come from your chosen mortgage originator, servicer, bank, or credit union.

Bob Broeksmit, President and CEO of the Mortgage Bankers Association, called the bill “a major victory for mortgage borrowers,” noting that it will create a more efficient, respectful home-buying process.

A Win for Transparency and Trust

At Premia, we believe this legislation is an important step forward for borrowers. Buying a home is already a complex process — and eliminating the stress of unwanted solicitations allows you to focus on what really matters: choosing the right mortgage partner and finding the home that’s best for you.

“This is a landmark moment for homebuyers and for our industry. Borrowers deserve a process that is secure, transparent, and respectful of their privacy. With this law in place, we can continue doing what we do best at Premia — guiding clients with integrity and ensuring every move matters.”
— Nina Arnaiz, President, Premia Relocation Mortgage

Looking Ahead

The law takes effect in March 2026, but its passage marks a turning point today. Borrowers now have a clear path toward a mortgage process that is simpler, safer, and more consumer-friendly.

Ready to explore your next home financing step with confidence? Get Pre-Approved with Premia. Because at Premia, every move matters.