H.E. Freeman Enterprises

Big Win for Homebuyers!
On March 5, Congress passed the Homebuyers Privacy Protection Act, and it’s going to make the mortgage process a lot less stressful for buyers. https://nationalmortgageprofessional.com/news/trigger-lead-restrictions-begin-homebuyers-privacy-protection-act-takes-effect
Here’s what it means:
When a homebuyer applies for a mortgage and their credit is pulled, that inquiry used to trigger the credit bureaus to sell their information to other lenders.
New law passed to protect homebuyers information.
- Buyers would suddenly get dozens of incredibly disruptive phone calls, texts, and emails from random lenders they’ve never spoken to.
- This new law greatly restricts those “trigger leads.”
- Other lenders can’t access your information unless you opt-in
- Or they already have an existing relationship with you
This new law:
- Protects homebuyers from unwanted solicitations and protect their privacy during the homebuying process.

Trigger Lead Restrictions Begin As Homebuyers Privacy Protection Act Takes Effect The Homebuyers Privacy Protection Act, a bipartisan measure introduced in the Senate by Sens. Jack Reed and Bill Hagerty, and in the House by Reps. John Rose and Ritchie Torres, officially takes effect Thursday, March 5.The bill, signed by President Trump on September 5, 2025, revises the Fair Credi...

https://www.msn.com/en-us/money/news/personal-finance-system-punishes-the-poor-to-reward-the-rich-experts-say/vi-AA1XPTl4

Personal finance system punishes the poor to reward the rich, experts say Harvard economist reveals how America's personal finance system transfers wealth from poor to rich through credit card fees and confusing products.

https://www.wsj.com/buyside/personal-finance/mortgage/mortgage-rates-today-3-12-2026

Mortgage Rates Today, March 12, 2026: 30-Year Rates Rise to 6.23% Explore current mortgage rates and what they mean for homebuyers.

If you earn more, avoid spending more and use the 30/30/3 rule.

https://www.consumerfinance.gov/about-us/newsroom/cfpb-orders-equifax-to-pay-15-million-for-improper-investigations-of-credit-reporting-errors/

CFPB Orders Equifax to Pay $15 Million for Improper Investigations of Credit Reporting Errors | Consumer Financial Protection Bureau The CFPB took action against Equifax, the nationwide consumer reporting agency, for its failure to conduct proper investigations of consumer disputes.

https://www.journalofaccountancy.com/news/2024/dec/nationwide-injunction-halts-boi-reporting-for-now.html

Court halts BOI reporting; AICPA urges preparedness Finding the Corporate Transparency Act “likely unconstitutional,” a federal district court prohibited its enforcement and the enforcement of its accompanying regulations.

I raised my credit score by over 100 points. I can help you too. Contact me at [email protected]

If you need to get an EIN for your new business to beat the corporate transparency act requirement that starts 1/1/2024 the the site will be down after 11:59pmET today until 1/2/2024.

Last scam - When canceling a recurring charge companies continue to charge you