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ARTICLE · 07 AUGUST 2025

Senate Passes House Version Of Trigger Leads Bill

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As previously reported, both the House and Senate passed bills to ban "trigger leads," except in limited circumstances, although the versions of the bills that were previously passed are slightly different.

United StatesConsumer Protection
Richard J. Andreano, Jr.
Richard J. Andreano, Jr.
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As previously reported, both the House and Senate passed bills to ban "trigger leads," except in limited circumstances, although the versions of the bills that were previously passed are slightly different. The one difference is that the House-passed version calls for a Government Accountability Office study on the value of trigger leads by text message.

By unanimous consent, the Senate has now passed the House version of the legislation, which is entitled the Homebuyers Privacy Protection Act (H.R. 2808). The legislation now moves to President Trump for his signature.

We have addressed the trigger leads bills earlier, including here.

As provided in the legislation, a creditor will be able to obtain a trigger lead from a consumer reporting agency only if:

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