03/04/2026
🚨 Realtors, partners, customers and potential customers 🚨
Some good news on the unsolicited calls side which can reduce those calls from “snake” lenders.
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.
-Opt-In to remove yourself from the registry.
As always, please let me know if you have any questions.
Remember, who you work with matters!!!
