The controversial practice of credit bureaus selling information on consumers who had their credit pulled for purposes of applying for a mortgage or other loan is known as a “trigger lead.”  Idaho and Utah were the latest states to address this issue by prohibiting lenders from using information obtained from a trigger lead to solicit a consumer who has applied for a mortgage with another financial institution unless the communication clearly states that the solicitor is not affiliated with the lender with which the consumer initially applied.

A handful of other states, including Texas, have similar laws on the books.  With no federal law currently in place to address trigger leads, it is likely more states will enact similar laws.

To read the bills in their entirety, please visit:
Idaho House Bill 149  – effective July 1, 2025
Utah House Bill 99 – effective May 7, 2025