President Trump Signs Rep. Rose's Bill to Safeguard Homebuyer Privacy Into Law

WASHINGTON, DC—Change is on the way for the millions of Americans who undergo the homebuying process in the years ahead. Today, President Donald Trump signed the Homebuyers Privacy Protection Act (HPPA) into law. The legislation, which passed the House and Senate by unanimous consent, was first introduced by U.S. Representative John Rose (TN-06) in February 2024 and reintroduced in April 2025.

 

HPPA will dramatically reduce the number of unwanted calls and messages that follow applying for a mortgage in the United States. Currently, credit bureaus are notified when a consumer applies for mortgage financing. That information, referred to as a “trigger lead,” is then often sold by the credit bureaus to data brokers and other lenders without the consumer's knowledge or approval. Consumers are then often bombarded with hundreds of unwanted solicitations. 

 

HPPA amends the Fair Credit Reporting Act (FCRA) to prohibit a credit reporting bureau from furnishing a trigger lead unless an individual chooses to opt in while also preserving the use of trigger leads in appropriately limited circumstances. 

 

“This is a big deal for Tennesseans and all Americans,” Rep. Rose said. “I am elated that my bill received broad support in the House and Senate and was truly honored to be in the room when President Trump signed it into law. The homebuying process is difficult enough without a barrage of calls and messages. I am proud to bring an end to these unsolicited sales tactics and restore privacy for homebuyers.” 

 

The legislation was co-led by Rep. Ritchie Torres (D-NY) and garnered more than 80 cosponsors in the House from both sides of the aisle. The bill also received overwhelming bicameral support and was co-led in the Senate by Senators Bill Hagerty (R-TN) and Jack Reed (D-RI).

 

The Homebuyers Privacy Protection Act is supported by a broad coalition of financial trades and consumer groups. You can find some of their statements of support below:  

“This new law will help protect consumers from the barrage of unwanted calls, texts, and emails they too often receive immediately after applying for a mortgage,” MBA President and CEO Bob Broeksmit said. “It marks a major victory for borrowers and will create a more efficient, responsible, and respectful home buying process.”

 

“ICBA and the nation’s community bankers applaud Rep. Rose for his leadership in advancing the Homebuyers Privacy Protection Act through Congress to support the privacy of U.S. consumers,” ICBA President and CEO Rebeca Romero Rainey said. “We look forward to the implementation of this important bipartisan law, which will give consumers more control over their private financial information and shield them from unwanted solicitations.”

 

“The Broker Action Coalition thanks Congressman Rose for his leadership and his commitment to working across the aisle to deliver this victory for consumers and the mortgage industry,” BAC Chief Advocacy Officer and Co-Founder said. “The unanimous passage of the Homebuyers Privacy Protection Act is proof that when policymakers, industry, and consumer advocates come together, meaningful solutions are possible. This is what good governance looks like.”

 

"The Tennessee Credit Union League applauds Congressman Rose for his leadership in advancing the Homebuyers Privacy Protection Act into law,” TCUL Chief Advocacy Officer Sarah Waters said. “Protecting consumers’ personal information during the mortgage process is critical to building trust and ensuring financial security for families across our state. This legislation provides much-needed safeguards against unwanted solicitations and misuse of sensitive data, allowing credit unions to better serve Tennesseans as they pursue the dream of homeownership."

 

“The National Association of Mortgage Brokers would like to thank Senators Bill Hagerty, R-Tenn. and Jack Reed, D-R.I., and Reps. John Rose, R-Tenn., and Ritchie Torres, D-N.Y., for championing H.R. 2808 Homebuyers Privacy Protection Act,” NAMB President Jim Nabors said. “With this critical legislation becoming law, we believe consumers now have more control over the information they receive as part of the homebuying process, and they can now eliminate trigger lead abuses while preserving their use in appropriately limited circumstances. As President of NAMB, I will always support any legislation that ensures the protection and privacy of homebuyers, and I applaud Congress for leading this effort.”

 

“Now law, Rep. Rose’s bill will ensure Tennesseans’ right to privacy by preventing credit bureaus from selling their information when a credit report is pulled,” TBA President and CEO Colin Barrett said. “It is not unusual for bank customers to receive 100+ misleading texts, phone calls and emails within the first 24 hours of applying for a mortgage.”

 

“We commend President Trump for protecting consumers from abusive mortgage ‘trigger leads’ by signing this bipartisan solution into law,” ABA President and CEO Rob Nichols said. “By preventing credit reporting firms from selling mortgage applicant information to lenders, the Homebuyers Privacy Protection Act ensures Americans will no longer face a barrage of unwanted solicitations. We’re grateful to Representatives John Rose (R-TN) and Ritchie Torres (D-NY) and Senators Bill Hagerty (R-TN) and Jack Reed (D-RI) for their leadership on this important consumer protection issue.”