From Advocacy to Implementation: What the Trigger Lead Victory Means for Your Business
Today marks a watershed moment for the mortgage industry. President Trump's signature on the Homebuyers Privacy Protection Act doesn't just ban abusive trigger leads - it validates a new model of broker advocacy that prioritizes results over rhetoric.
When the BAC asked our earliest supporters to help set our agenda three years ago, the message was unambiguous: trigger leads were the top priority. Not a close second. The overwhelming number one issue affecting broker-client relationships, consumer trust, and business operations.
The Real Impact on Your Daily Operations
Starting March 2026, the endless cycle of explaining to clients that "it wasn't us who sold your information" ends. No more rebuilding trust that was already earned. No more competing against deceptive solicitors who blur compliance lines to confuse consumers.
The new environment will be markedly different. When you pull a borrower's credit, they may receive a call from their current servicer - that's it. Not dozens of calls from trigger lead solicitors. This isn't just about reducing noise; it's about preserving the integrity of the broker-client relationship at its most critical juncture.
Beyond the Victory: Institutional Advocacy That Lasts
This win represents more than policy change: it's proof that when brokers invest in sustained advocacy, we can compete with the most powerful lobbies in Washington. The credit bureaus fought this legislation with significant resources. They lost because brokers showed up, stayed organized, and funded the fight.
The BAC didn't achieve this alone. Working within a coalition led by the MBA, we demonstrated that industry collaboration, not divisive grandstanding, produces results. This approach will define our strategy moving forward.
What This Victory Enables Next
With trigger leads addressed, we're already positioning for the next set of priorities: LO Comp reform, credit report cost reduction, and GSE reform conversations. Each requires the same sustained commitment that made this victory possible.
The infrastructure we built for trigger leads - the relationships on Capitol Hill, the grassroots network, the coalition partnerships - becomes the foundation for every future fight. This is how you build an institution that lasts beyond any single issue or individual.
For brokers watching this unfold: your engagement made this possible. Your continued support will determine what comes next.