Mortgage Trigger Lead Alternatives

Trigger Leads and the changes happening regarding these popular leads.

Congress has recently passed the Homebuyers Privacy Protection Act (H.R. 2808). This act will directly impact the use and generation of mortgage inquiries that were used in the past to offer homeowners and new buyers alternative mortgage firm offers that would possibly benefit the homeowner. For Mortgage Trigger Lead Alternatives, please contact your consultant.

What is the Homebuyers Privacy Protection Act (H.R. 2808)

Upcoming changes related to mortgage triggers and mortgage inquiry attributes due to the Homebuyers Privacy Protection Act (H.R. 2808), effective March 4, 2026.

Under this Act, credit bureaus may only provide mortgage inquiry data if the end user is making a firm offer of credit or insurance and meets at least one of the following conditions:

• Has originated a mortgage for the consumer
• Is the consumer’s current mortgage servicer
• Has a defined banking relationship with the consumer
• Has the consumer’s explicit consent

For reference, the full bill text is available here:
https://www.congress.gov/bill/119th-congress/house-bill/2808/text

Mortgage Trigger Lead Alternatives and Options:

Please note, the In Market Alerts monitoring program, ITMA (In-The-Market Alerts), continues to qualify for receiving daily triggers.

Since this law does not affect Pre-Screened Data, we will still be supplying pre-screened data for mail, telemarketing and email marketing campaigns.

Many clients are transitioning to our premium real time and aged Mortgage Internet leads. These are homeowners and home buyers who have opted-in to receive a quote. We can provide these opt-in leads to you at a discounted price point.

What's Next?

Please contact your Brokers Data marketing consultant for further information regarding Mortgage Trigger Lead Alternatives and Replacements.

Primary Intent:
Understand how to replace or supplement mortgage trigger leads with compliant, effective, and higher-quality lead sources and strategies.

Secondary Intent(s):
- Get up to speed on new and upcoming trigger lead regulations/bans and their impact on mortgage marketing.
- Learn what “intent data,” alternative data, and first‑party data approaches can do instead of trigger leads.
- Compare different lead types (aged leads, trigger leads, intent leads, referral leads, digital funnels) on quality, cost, and compliance.
- Understand consumer privacy concerns and how to market ethically while still generating volume.

Common Questions:
- “What exactly is happening to trigger leads and when do the new rules/laws kick in?”
- “What are viable, scalable alternatives to trigger leads for my mortgage business right now?”
- “How do intent-based/alternative-data/first‑party strategies actually work in practice?”
- “How can I keep my pipeline full without violating privacy rules or annoying consumers?”

Contact Brokers Data

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You may also call us at (800) 884-7507 during normal business hours. Your information is always kept completely confidential.

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