Your privacy just got protected. A new law has officially banned trigger leads — a long-standing practice where credit bureaus sold your personal information after a mortgage credit inquiry. If you’ve ever applied for a loan and suddenly started getting a flood of calls and texts from lenders you’ve never heard of, that’s why. That’s now coming to an end.
What Are Trigger Leads?
Trigger leads happen when your credit gets pulled during a mortgage application. Credit bureaus could then turn around and sell your data — including your name, contact info, and credit score range — to other lenders, lead companies, and telemarketers.
In most cases, this happens without your knowledge or consent. What followed was often chaos: dozens of unwanted phone calls, pressure tactics, and confusion about who you were actually working with.
What’s Changing Now?
The new law puts a stop to this practice. Credit bureaus will no longer be allowed to sell your information after a mortgage credit check unless you’ve given clear permission — or the company already services your loan or holds an account with you. It goes into effectMarch 5, 2026.
After that date, your credit pull stays between you and your lender. No more surprise solicitations. No more data up for grabs.
Why This Is Good News for Homebuyers — and How Highlands Is Different
This is a big win for anyone planning to buy or refinance a home. It gives you more control, more clarity, and more peace of mind.
At Highlands Residential Mortgage, we’ve never sold borrower information — and we never will. Because your trust isn’t a transaction. It’s the foundation of everything we do.
This law just makes it official: You stay in charge of your homebuying journey. And when your data is protected, it’s easier to make smart, confident decisions with people you trust.
Get in Touch
You might have questions. You might just want to make sense of what this change means.
Or maybe it’s a good time to take another look at your current mortgage.
Whatever the reason, we’re here when you need us — no pressure, no spam. Just a conversation.
