Trigger Leads After the Homebuyers Privacy Protection Act: What an AI Outreach Agent Can Buy, Call, and Text in 2026
The Homebuyers Privacy Protection Act amended FCRA 604(c) and took effect March 5, 2026. Here is the eligibility gate an AI outreach agent has to run before it dials a prescreened mortgage lead, the exceptions that still let you contact your own borrowers, and the audit file that proves the lead was legal.