ID H0149

Defines "mortgage trigger leads" as consumer credit reports generated when someone applies for a mortgage, excluding reports obtained by lenders already servicing the applicant's existing debt

Requires solicitors using mortgage trigger leads to clearly disclose they are not affiliated with the lender or broker the consumer originally applied with

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

Prohibits using mortgage trigger lead information to contact consumers who have opted out of prescreened credit offers or who are on federal or state do-not-call lists

Violations constitute violations of the Idaho Consumer Protection Act, with an effective date of July 1, 2025