Summary of Home Buyers Privacy Protection Act
Updated 02/09/2026
The Homebuyers Privacy Protection Act is set to go into effect on March 4, 2025. The Act seeks to restrict trigger leads by adding a new limitation inside the Fair Credit Reporting Act (FCRA), section 604(c), that restricts when a consumer reporting agency may furnish a consumer report to another person after a consumer report is requested by a person in connection with a residential mortgage loan. The restriction applies unless the furnishing supports a firm offer of credit or insurance and either the consumer affirmatively authorizes the furnishing or the recipient qualifies under narrow relationship-based categories.
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