AR HB1184

Defines "mortgage trigger lead" as a lead generated when a consumer reporting agency shares credit inquiry data with third parties after someone applies for a mortgage, excluding lenders who already hold the applicant's existing debt

Prohibits using mortgage trigger leads in misleading or deceptive ways, requiring loan officers to disclose their name, employer, how they obtained the consumer's contact information, and that they are not affiliated with the original lender

Requires disclosure that the solicitation is based on personal information purchased from a consumer reporting agency without the original lender's knowledge or permission

Bans contacting consumers who have opted out of prescreened credit offers under the Fair Credit Reporting Act or placed their number on the national Do-Not-Call registry

Approved March 12, 2025 as Act 263 of the Regular Session