Montana legislation · 2025 Regular Session
Montana HJ33: Resolution to urge U.S. Congress to take action relating to mortgage trigger leads
Status: Passed one chamber, May 7, 2025
What the bill says
A joint resolution of the senate and the house of representatives of the state of montana urging the united states congress to take action relating to unsolicited offers of mortgage credit, known as trigger leads.
From the engrossed text:
A JOINT RESOLUTION OF THE SENATE AND THE HOUSE OF REPRESENTATIVES OF THE STATE OF MONTANA URGING THE UNITED STATES CONGRESS TO TAKE ACTION RELATING TO UNSOLICITED OFFERS OF MORTGAGE CREDIT, KNOWN AS TRIGGER LEADS. WHEREAS, the Montana Legislature maintains that it is in the best interest of all Montanans to have access to safe, accountable, and private mortgage banking in achieving the American dream of home ownership; and WHEREAS, Montanans who seek to fulfill this dream have been increasingly besieged with unsolicited credit offers from a litany of unknown and amorphous financial institutions, not because Montana homebuyers requested the credit solicitations, but because various entities obtained leads that were triggered by the Montana homebuyer potentially seeking a mortgage through a trusted and known lender; and WHEREAS, these unsolicited offers of credit by entities unknown to Montanans, known as trigger leads, routinely subject Montanans to a barrage of unrequested, unnecessary, and gratuitous emails, mail, texts, and telephone calls at all times, day and night; and WHEREAS, trigger leads are, at worst, criminally fraudulent offers by entities seeking to commit identity theft, and at best, trigger leads subject Montanans to daily harassment. Accordingly, the Montana Legislature declares trigger leads a public nuisance that must be, at the very least, competently regulated, but the best solution is for trigger leads to be …
Sponsors
- Falk, Terry (R, 10) · primary sponsor
- Webber, Susan (D, 8)
Latest actions
- : (H) Filed with Secretary of State
- : (S) Signed by President
- : (H) Signed by Speaker
- : (H) Returned from Enrolling
- : (H) Sent to Enrolling
- : (S) 3rd Reading
- : (S) Scheduled for 3rd Reading
- : (S) 2nd Reading
- : (S) Scheduled for 2nd Reading
- : (S) Committee Report
Votes
- Do Concur (April 22, 2025): 47 yea, 3 nay, passed
- Do Concur (April 18, 2025): 43 yea, 3 nay, passed
- Do Pass (April 5, 2025): 97 yea, 0 nay, passed
- Do Pass (April 3, 2025): 99 yea, 0 nay, passed
Subjects: General Joint Resolution, Credit Transactions, Financial Institutions
Common questions
- What is HJ33?
- HJ33 is a bill in the Montana Legislature (2025 Regular Session): Resolution to urge U.S. Congress to take action relating to mortgage trigger leads.
- What does HJ33 do?
- In its own words: A joint resolution of the senate and the house of representatives of the state of montana urging the united states congress to take action relating to unsolicited offers of mortgage credit, known as trigger leads.
- What is the status of HJ33?
- Passed one chamber as of May 7, 2025. Latest action: (H) Filed with Secretary of State (May 7, 2025).
- Who sponsored HJ33?
- Falk, Terry (R, 10), with 1 co-sponsor.
- Where is the official record for HJ33?
- On the Montana Legislature website: https://bills.legmt.gov/#/laws/bill/2/LC4382
Source: official Montana record. Tracked by Delilah, AI for legislation across all 50 states and Congress.