Trump signs trigger-leads reform into law

Today, in a significant breakthrough for consumers, President Trump signed into law the Homebuyers Privacy Protection Act, setting a new standard in mortgage privacy and trust.

At Better, we’ve always believed that your journey to homeownership should feel empowering, not invasive. That’s why this change matters.

What’s changing with trigger leads

Historically, when you applied for a mortgage, credit bureaus would immediately flag that action and sell your information to other lenders — a process known as trigger leads. This often resulted in a flood of unsolicited calls, texts, and emails, adding stress at an already intense time in your life.

The new law makes it illegal for credit bureaus to sell your data without your explicit consent, effectively putting an end to this practice.

For home buyers — and for organizations like Better — this is everything. It means a more respectful process, less noise, and a smoother path toward finding the right mortgage without distractions.

Get your free pre-approval in as little as 3 minutes

How the mortgage trigger leads ban happened

This win wasn’t overnight. Here’s how it unfolded:

– Bipartisan progress: The bill, known as H.R. 2808, passed the House in June after months of advocacy from key mortgage and housing organizations.

– Unanimous Senate approval: In early August, the Senate gave its stamp of approval by unanimous consent, signaling widespread bipartisan agreement.

– Final step: With the President's signature on September 5, 2025, the law is now official. It will take effect six months from the signing date, giving regulators like the FTC, FHFA, and CFPB time to write and fine-tune the rules.

What the trigger leads ban means for home buyers

— Fewer disruptions — No more distractions from unwanted offers right after applying for a loan.

— More control — Your data stays under your control, and only trusted parties can access it.

— Sharper focus — This law helps brokerages and lenders compete fairly based on trust and transparency — not spam tactics.

At Better, we already prioritize customer privacy and transparency. From day one, your information is safeguarded — and we never sell it. Instead, we focus on giving you a simpler, smarter way to buy or refinance your home.

Get your free pre-approval in as little as 3 minutes

Why this feels like progress from Better’s lens

At Better, we’ve never believed in hidden fees or aggressive outreach. We believe in simplicity, clarity, and partnership. This legislation aligns with what we’ve always advocated: a mortgage experience built on trust, not intrusion.

We’re committed to making your homebuying experience smoother, clearer, and more focused on what matters — finding the right home and the best terms for your life. With Better, you can:

— Get pre-approved online in as little as 3 minutes

— Lock in your mortgage rate instantly, 24/7

— Close faster than the industry average

See what you're pre-approved for

…in as little as 3 minutes — no credit impact