Beginning March 5, 2026, a new federal law—the Homebuyers Privacy Protection Act—will significantly reduce “trigger lead” activity. Trigger leads occur when a mortgage-related credit inquiry can result in your contact information being used to generate unsolicited calls, texts, and emails from lenders or brokers you never contacted.
What’s changing
The new law places tighter limits on when credit bureaus can share information tied to mortgage credit inquiries. The expected result: far fewer unsolicited outreach attempts after your credit is pulled during the mortgage process.
What you may still experience
Even with these new protections, you could still receive some outreach in certain situations, such as:
- Organizations you already have a relationship with (for example, a company where you have an existing account or prior service relationship), depending on the circumstances.
- Short-term lag during implementation, as systems and practices adjust across the market.
What we recommend
To protect your time and privacy during your mortgage journey:
- Confirm you’re working directly with the lender or broker you chose before sharing personal details.
- Avoid responding to unsolicited offers that reference your recent credit pull.
- Route questions through your trusted point of contact so your loan strategy stays consistent.
What should I tell clients who are still receiving unsolicited calls?
Remind them that the transition takes time, and some pre-existing data or non-compliant activity may still generate outreach in the short term. Encourage them to report unwanted contacts to the CFPB at consumerfinance.gov/complaint and to use OptOutPrescreen.com and the Do Not Call Registry as added protection.
CIC Credit’s approach
At CIC Credit, we focus on our mortgage lending clients’ experience: clear guidance, transparency, and communication you can trust. These new protections are a positive step for consumers—and we’re here to make sure your mortgage pipeline stays strong, secure, and efficient.
