A group of 42 Attorneys General is asking the United States Congress to pass the Homebuyers Privacy Protection Act of 2025.
South Dakota Attorney General Marty Jackley says the legislation would protect Americans from the invasive and deceptive practice of mortgage credit “trigger leads.” He says these communications often stem from the legal– but abusive– sale of consumer data under the federal Fair Credit Reporting Act.
Jackley says the Homebuyers Privacy Protection Act protects privacy while preserving healthy market competition. He says the targeted reform would restrict trigger lead usage to:
- businesses with a prior relationship with the consumer, or
- those who have received explicit consent.
Jackley says, “Bad actors have exploited the personal data of consumers who apply for a mortgage. This bill protects consumers from unwanted messages and fraudulent offers.”
Along with South Dakota, the other Attorneys General who have signed the letter are from: American Samoa, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Illinois, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Vermont, U.S. Virgin Islands, Virginia, Washington, West Virginia and Wyoming.
The letter to Congress can be found here: http://www.naag.org/wp-content/uploads/2025/06/Homebuyers-PPA-Trigger-Leads_FINAL.pdf.
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