S. 1467Passed one chamberJobs & the economy
Bill would curb mortgage "trigger leads" that flood homebuyers with sales calls
Data as of July 14, 2026
The bill would stop credit agencies from selling mortgage applicants' data widely, cutting unwanted loan solicitations.40-second read · 4 questions answered below
Decoded
What does this do?
This bill would limit credit reporting agencies from sharing a mortgage applicant's credit information with other companies, a practice that currently triggers unsolicited loan offers. Sharing would only be allowed if the consumer gave permission, or if the company already has a relationship with them, such as their current lender, servicer, or bank. Any resulting offer must be a genuine firm offer of credit or insurance, not just marketing.
Who does it affect?
Homebuyers applying for mortgages would see fewer solicitation calls, texts, and mail; mortgage lenders, banks, credit unions, and credit reporting agencies like Equifax, Experian, and TransUnion would need to change data-sharing practices.
Why does it matter?
The change would restrict how credit agencies and lenders use mortgage inquiry data, requiring new compliance processes, with rules taking effect 180 days after enactment.
Where does it stand?
- Introduced
- Senate committee
- Senate vote
- House — You are here
- President's desk
Right now: it passed the Senate and now goes to the House. If the House changes it, it goes back to the Senate before reaching the President.
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Official title
Homebuyers Privacy Protection Act
- Introduced:
- April 10, 2025
- Latest action:
- June 17, 2025
Held at the desk.
Read the official bill on Congress.govMake the call
Three steps: where you stand, your script, the call.