🚨 Big News for Homebuyers & Brokers: Trigger Leads Officially Banned Starting March 2026! 🚨

If you’ve ever applied for a mortgage and suddenly been bombarded with calls, texts, and emails from lenders you’ve never heard of this update is for you.

❓ What Were Trigger Leads?

When a homebuyer had their credit pulled for a mortgage, credit bureaus would sell their personal information including name, contact details, and even credit score ranges to outside lenders and telemarketers. This sale of private data happened without consent, leaving buyers vulnerable to:

• A flood of unwanted solicitations

• Confusing and often misleading marketing

• Privacy risks at one of the most important financial stages of life

❓ Why Did BAC Fight to Ban Them?

The Bankers Association of Compliance (BAC) and industry advocates pushed for this ban because it wasn’t just an annoyance it was a serious privacy violation. Trigger leads undermined consumer trust, created unnecessary stress, and left buyers questioning who they could really rely on during the homebuying process.

✅ What Changes Under the New Law?

Starting March 2026, here’s what homebuyers and brokers can expect:

• No more sale of consumer data by credit bureaus

• End of abusive marketing practices with only narrow, opt-in exceptions allowed

• Protection from spam and deceptive calls, texts, and emails

• Restored confidence in the mortgage process for buyers and brokers alike

This is a huge win for consumer protection and the entire housing industry. Buyers can now move forward in their homeownership journey with fewer distractions, less confusion, and greater trust in the professionals they choose to work with.🏡

LJ Realty & Mortgage – Your Local Guide to Homeownership

📍 127-03 Rockaway Blvd, South Ozone Park, NY 11420

📞 (516) 218-1297

LJ Realty Team – Buy | Sell | Rent | Equal Housing Opportunity

LJ Mortgage Team Inc. – NMLS# 2120286 | Purchase & Refinance NYS Registered Mortgage

Broker, NYS Dept. of Financial Services. Broker arranges mortgage loans with third-party providers. MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR CORRESPONDENT LENDER. Licensed by the N.J. Department of Banking and Insurance.

NMLS ID #2120286 – www.nmlsconsumeraccess.org