Proyectos de ley › 91.ª Asamblea General
Relating to solicitation by a financial institution using prescreened trigger lead information from a consumer report
Presentado por el comité Commerce (companion To Hf 857 By Committee on Commerce) del Senado
Dónde está ahora
- Hecho: Presentado18 de febrero de 2025
- Hecho: Subcomité18 de febrero de 2025
- Hecho: Comité del Senado6 de marzo de 2025
- Hecho: Lo aprueba el Senado9 de abril de 202547–0
- Se saltó: Comité de la CámaraSe saltó
- Hecho: Lo aprueba la Cámara19 de marzo de 202596–0
- Hecho: A gobernador(a)17 de abril de 2025
- Hecho: Firmado como ley18 de abril de 2025
HF 857 se hizo ley → La misma legislación se aprobó como HF 857, así que esta versión se dejó de lado. Ir a HF 857 ¿Qué es el embudo (funnel)?
Qué contiene
Resumen con IA Banks and lenders are prohibited from using unfair or deceptive tricks when they contact people who have applied for a mortgage elsewhere. These companies must clearly state they are not the original lender and cannot ignore do-not-call requests or change promised rates and terms later. This rule ensures that when a bank uses your credit information to send you an offer, they are being honest about who they are and what they are offering. (Todavía no está traducido al español.)1
Lea la explicación oficial (en inglés)
This bill relates to solicitation by a financial institution using prescreened trigger lead information from a consumer report. Under the bill, a financial institution shall not use an unfair or deceptive practice when using prescreened mortgage trigger lead information derived from a consumer report to solicit a consumer who has applied for a loan with a different financial institution. “Consumer report”, “financial institution”, and “mortgage trigger lead” are defined in the bill. A financial institution is engaged in an unfair or deceptive practice when in an initial phase of a solicitation from a lender or loan broker, the financial institution fails to clearly and conspicuously state that the financial institution is not affiliated with the financial institution with which the consumer initially applied; fails to conform to state and federal law relating to prescreened solicitations using consumer reports, including but not limited to the requirement to make a firm offer of credit to the consumer; uses information regarding a consumer who has opted out of prescreened offers of credit or who has placed the consumer’s contact information on a federal do-not-call registry; or solicits a consumer with an offer of certain rates, terms, or costs, but subsequently changes the rates, terms, or costs to the detriment of the consumer. 16.
Por qué importa. Financial institutions would be prohibited from using unfair or deceptive practices when using mortgage trigger lead information to solicit people who have applied for loans elsewhere. These institutions must clearly state they are not affiliated with the original lender and cannot ignore do-not-call registries or opt-out requests. They are also barred from changing the rates, terms, or costs of an offer to the detriment of the consumer. (Todavía no está traducido al español.)2
Texto completo del proyecto (en inglés) · Qué cambió antes de aprobarse3
Senate subcommittee
Named February 18, 2025 (as SSB 1145). On March 4, 2025 it recommended amendment and passage.
Three legislators hear a bill first and recommend what the committee should do; it’s the best time to weigh in. How to take part
Lo que cambia del Código de Iowa (Iowa Code)
Crea§525.1
Modifica§714.16
Cabildeo
9 a favor · 0 en contra · 5 indecisos · Quiénes →
Family tree
Study bill
91st General Assembly