Nevada Attorney General Aaron D. Ford has called on Congress to expedite the passage of the Homebuyers Privacy Protection Act of 2025, a bipartisan and bicameral bill designed to protect Americans from invasive mortgage credit practices known as "trigger leads."
"Consumer protection is one of the guiding principles of my office, which is why I am leading this multistate, bipartisan effort," stated AG Ford. He emphasized that Nevadans deserve assurances about their data privacy and urged Congress to act on this issue.
Attorney General Ford, along with co-lead attorneys general Alan Wilson from South Carolina, Marty Jackley from South Dakota, and Jeff Jackson from North Carolina, spearheads this initiative for consumers inundated by unsolicited communications after applying for mortgages. These often originate from legally permissible but abusive sales of consumer data under the federal Fair Credit Reporting Act (FCRA).
The proposed Homebuyers Privacy Protection Act aims to restrict trigger lead usage to businesses with existing relationships with consumers or those having explicit consent. This reform intends to safeguard privacy while maintaining market competition.
State attorneys general have faced challenges due to federal law preemptions under FCRA that limit stronger state-level protections. This has led to inconsistent efforts across states and limited consumer recourse.
A similar measure passed unanimously in the U.S. Senate in 2023. With increasing bipartisan support and backing from various industries, attorneys general are pressing Congress for crucial consumer protection reform once more.
Joining AG Ford in this initiative are attorneys general from American Samoa, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, the District of Columbia, Florida, Georgia, Hawaii, Illinois, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi New Hampshire New Jersey New Mexico New York North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island Tennessee Utah Vermont the U.S Virgin Islands Virginia Washington West Virginia Wyoming.