Blog
Clear, plain-English guidance for operators navigating lead-gen compliance.
Are You a “Data Broker” Under California Law? The Direct-Relationship Test
California’s data-broker definition turns on one question: do you have a direct relationship with the consumer? Here’s how the test works for a lead-gen business — and where the GLBA/FCRA carve-outs stop.
Who Can Still Buy a Mortgage Trigger Lead After HPPA? The Two Exceptions
HPPA doesn’t ban every trigger lead — it carves out two exceptions: documented consumer consent, and a qualifying existing relationship. Here’s how each works on the buy side.
California’s DROP Goes Live: What August 1, 2026 Means If You Buy or Sell Consumer Data
California’s Delete Request and Opt-out Platform lets a consumer delete their data across every registered broker with one request. Registered brokers must start honoring those requests on August 1, 2026.
Trigger Leads Are Now Restricted: What the Homebuyers Privacy Protection Act Actually Changed
The Homebuyers Privacy Protection Act became Public Law 119-36 on September 5, 2025, and its restrictions took effect roughly 180 days later. Here’s what it changed about mortgage trigger leads — and what it didn’t.