TBA Law Blog


Posted by: Azya Thornton on Jun 13, 2025

Tennessee Attorney General Jonathan Skrmetti has joined a bipartisan coalition in urging Congress to pass the Homebuyers Privacy Protection Act of 2025, legislation aimed at protecting consumers from the invasive practice of mortgage credit robocalls known as “trigger leads.” Skrmetti, along with attorneys general from South Carolina, South Dakota, North Carolina and Nevada, is leading the effort on behalf of consumers overwhelmed by unsolicited calls and texts after applying for a mortgage, according to a release. Under current federal law, credit reporting agencies can legally sell trigger leads — real-time notifications that include personal consumer information — when someone applies for a mortgage. The proposed legislation would restrict the use of trigger leads to businesses that have an existing relationship with the consumer or have obtained their explicit consent.