RegFi Episode 73: HPPA Explained: What “Trigger Lead” Limits Mean for the Mortgage Industry
34 min listen
The Mortgage Bankers Association’s Justin Wiseman, George Rogers and Rachel Kelley join RegFi co-hosts Jerry Buckley and Sasha Leonhardt to discuss the Homebuyers Privacy Protection Act (HPPA) — a targeted FCRA amendment aimed at curbing “trigger leads” generated from mortgage credit inquiries. The conversation explores the bipartisan legislation’s origin and path through Congress, how targeted exemptions balance consumer protection and competition, and what lenders, servicers, consumer reporting agencies and resellers can do to prepare ahead of the March 4, 2026, effective date.
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