As a trusted mortgage broker in Urbandale, IA, Midwest Family Lending is excited to share a major update that could make your homebuying journey smoother and less stressful. On June 12, 2025, the U.S. Senate unanimously passed the Homebuyers Privacy Protection Act (S. 1467), a bipartisan bill aimed at curbing abusive mortgage “trigger leads” and reducing unwanted spam calls, texts, and emails for homebuyers. With the House passing a companion bill (H.R. 2808) on June 23, this legislation is closer than ever to becoming law, promising significant relief for prospective homeowners in Iowa and beyond.
Here’s what this means for you and how Midwest Family Lending, your local mortgage lender, can guide you through the homebuying process with ease.

What Are Mortgage Trigger Leads?
When you apply for a mortgage, your credit inquiry often “triggers” credit bureaus like Equifax, Experian, and TransUnion to sell your personal information to third-party lenders and brokers. This practice, known as a trigger lead, results in a flood of unsolicited calls, texts, and emails—sometimes over 100 within 24 hours—many of which can be misleading or predatory. According to the National Association of Mortgage Brokers (NAMB), these aggressive solicitations create confusion and frustration for homebuyers, especially during an already stressful process.
For Iowa residents exploring homeownership, whether located in metro areas like Des Moines or rural areas throughout the state, these spam contacts can make an exciting milestone feel overwhelming and frustrating.
How the Homebuyers Privacy Protection Act Helps You
The Homebuyers Privacy Protection Act, led by Senators Jack Reed (D-RI) and Bill Hagerty (R-TN), introduces strict limitations on trigger leads to protect your privacy. Key provisions include:
- Prohibiting Unauthorized Sales: Credit bureaus can only sell trigger leads if the lender or broker has an existing financial relationship with you (e.g., a current mortgage or deposit account) or if you explicitly opt in to receive solicitations.
- Reducing Predatory Practices: The bill amends the Fair Credit Reporting Act (FCRA) to curb deceptive marketing, ensuring you’re not bombarded with unsolicited offers.
- Empowering Homebuyers: By limiting who can access your data, the legislation puts you in control, allowing you to focus on finding the right home in the great state of Iowa.
This bill has garnered widespread support from industry leaders like the Mortgage Bankers Association (MBA) and consumer advocacy groups, reflecting its importance for homebuyers nationwide.
Why This Matters for Iowa Homebuyers
In the Des Moines metro area, where the housing market is competitive and families are eager to settle near top-rated schools, the last thing you need is a barrage of spam disrupting your mortgage process. The Homebuyers Privacy Protection Act addresses local challenges by:
- Simplifying Your Journey: Fewer distractions mean you can focus on working with a trusted mortgage broker like Midwest Family Lending to secure the best loan terms.
- Protecting Your Privacy: With data privacy concerns on the rise, this bill ensures your personal information stays secure, giving you peace of mind whether you’re buying a home in Des Moines, Cedar Rapids or Council Bluffs.
- Supporting Fair Lending: By reducing predatory solicitations, the legislation promotes a transparent and fair mortgage process, aligning with Midwest Family Lending’s commitment to ethical service.
What’s Next for the Legislation?
While the Senate and House have passed their respective bills, minor differences need to be reconciled before the legislation can be signed into law by President Trump. Industry advocates, including the MBA and NAMB, are optimistic about its passage, citing strong bipartisan support and the bill’s potential to transform the homebuying experience. If signed, the law will take effect six months later, offering relief to homebuyers across Iowa and the U.S.
How Midwest Family Lending Can Help
At Midwest Family Lending, we understand that navigating the mortgage process can be daunting, especially with the added stress of unwanted solicitations. As your local mortgage lender in Urbandale, IA, we’re here to provide personalized guidance and transparent solutions tailored to your needs. Our team is committed to:
- Offering competitive mortgage rates and terms.
- Explaining complex regulations like the Homebuyers Privacy Protection Act in simple terms.
- Ensuring a stress-free experience from pre-approval to closing.
Ready to start your homebuying journey? Schedule a free consultation with Midwest Family Lending today to explore your mortgage options and stay informed about the latest industry updates. Visit our Google Business Profile to connect with us!
Midwest Family Lending, NMLS #4622, is proud to serve Urbandale and surrounding communities with integrity and expertise.