Idaho Capitol Watch
HB 149: RESIDENTIAL MORTGAGE PRACTICES – Adds to existing law to provide for consumer privacy in mortgage applications.
Adds new section 26-31-211A to Idaho Code to protect consumer privacy in mortgage applications by regulating 'mortgage trigger leads.' Prohibits misleading solicitations, requires disclosures, and enforces federal credit reporting compliance. Violations treated as Idaho Consumer Protection Act violations. Effective July 1, 2025.
Status
Signed by Governor (March 17, 2025) · Originated in the Idaho House · Introduced February 6, 2025
Sponsors
- BUSINESS COMMITTEE
Committees
- JRA for Printing
Bill history
- March 5, 2025 — Senate: Read second time; filed for Third Reading
- March 10, 2025 — Senate: Read third time in full – PASSED - 26-9-0AYES – Anthon, Bernt, Bjerke, Blaylock, Burtenshaw, Cook, Den Hartog, Foreman, Goodrich(Rabe), Grow, Guthrie, Keyser, Lakey, Lenney, Lent, Markley(Carlson), Ok (passed)
- March 12, 2025 — House: Reported Enrolled; Signed by Speaker; Transmitted to Senate
- March 12, 2025 — Senate: Received from the House enrolled/signed by Speaker
- March 12, 2025 — Senate: Signed by President; returned to House
- March 13, 2025 — Senate: Returned Signed by the President; Ordered Transmitted to Governor
- March 14, 2025 — Senate: Delivered to Governor at 11:20 a.m. on March 13, 2025
- March 17, 2025 — Senate: Reported Signed by Governor on March 17, 2025 Session Law Chapter 87 Effective: 07/01/2025
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