Act set for House vote next week
The Homebuyers Privacy Protection Act, better known as the trigger leads ban bill, is one step closer to becoming law. The bill was placed on the House schedule for a vote next Monday, just days after passing by unanimous consent in the Senate.
By reaching a vote in the House, it has moved farther along than the bill did last year. The standalone version passed the Senate in mid-December after being cut out of the national defense bill.
However, it was “held at the desk” in the House, which paused its progress just a couple of weeks before the end of the session.
If the measure passes the House and is the same as the version passed by the Senate last week, it would head to President Donald Trump’s desk for a signature.
Jim Nabors, president of the National Association of Mortgage Brokers (NAMB), was optimistic the bill would pass by the end of summer.
“It’s the number one issue for those of us in the industry,” Nabors told Mortgage Professional America. “It’s time for this unethical practice to be put to an end. We were hoping that it would get done by the end of Congress the last two years. This year, I feel that it could be done. I’m hoping it’s done by the end of summer, by the end of September.
“I’m always an optimist, but the big difference this year compared to previously, is all of the (mortgage) industry is on the same page. We are all together and united on this, and I’m hoping that will be the biggest advantage. Anytime you can unite the industry on issues, it’s always going to be an advantage.”
Bruce Gehrke, senior director of wealth and lending intelligence with JD Power, is surprised more consumers aren’t up in arms about the practice of trigger leads.
“It's one of those things that consumers haven't really thought much about it,” Gehrke told Mortgage Professional America. “But if you think about it like, ‘Why does a credit bureau have the right to sell the fact that I'm applying for a loan to somebody else?’ It just doesn't make a lot of sense.”
Not across the finish line yet
Brendan McKay, chief advocacy officer and co-founder of the Broker Action Coalition (BAC), posted the update on LinkedIn. He and the BAC have been working to get the legislation passed. He saw last year’s failed passage as a step in the right direction.
“So, we have a lot of positive reasons to be encouraged,” McKay told Mortgage Professional America. “Most bills don't pass on the first try. Passing federal legislation is difficult, and it is normal to get really close the first time, or even a couple of times, before finally pushing through. It actually passed in the Senate and came close in the House.
“While technically there's a new bill, you're not starting from scratch, you have all that momentum. You can say this passed the Senate, and that makes legislators comfortable with it quickly.”
Key mortgage industry organizations are strongly advocating for the trigger lead ban. With H.R. 2808 heading to mark-up on June 10, Brendan McKay from Broker Action Coalition urges professionals to contact their legislators to support this crucial bill. https://t.co/QVBKfwYBKt
— Mortgage Professional America Magazine (@MPAMagazineUS) June 7, 2025
McKay noted in his post and in a conversation with MBA at Equity Prime Mortgage’s (EPM) The American Gift (TAG) that it is critical for brokers to contact their representatives to make their voices heard.
“Whether you go to Broker Action Coalition or NAMB or MBA (Mortgage Bankers Association), they all have call-to-action software,” McKay said. “Let your legislators know that you want them to support this legislation. It is so much more important than people realize, and right now is the most critical time.
“We want as many of Congress to hear about this bill in a positive light from their constituents. So, it’s important always, but especially right now.”
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