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ArkansasHB11842025 Regular SessionHouse

TO AMEND THE FAIR MORTGAGE LENDING ACT; AND TO PROTECT A CONSUMER'S PRIVACY IN CERTAIN MORTGAGE APPLICATIONS.

Sponsored By: Ricky Hill (Republican), Lee Johnson (Republican)

Enacted

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

More privacy protections for mortgage applicants

Arkansas law bars misleading or deceptive use of mortgage trigger leads—sales leads generated by credit-report inquiries after credit applications. The first contact must name the loan officer and the mortgage broker or banker they represent, and explain how they got your contact information. It must explain that your personal information was purchased from a credit reporting agency without your original lender's or broker's knowledge or permission. It must also state that the sender is not affiliated with your original creditor and is seeking new business. The message must include a firm offer of credit. Those using these leads cannot contact people who opted out of prescreened credit offers or call people on the National Do-Not-Call Registry. They also cannot knowingly use lead information in violation of these rules or the federal Fair Credit Reporting Act. Reports obtained by a lender that holds or services your existing debt are excluded from the trigger-lead definition. The law uses the relevant federal definitions, credit-offer standards, and registry rules as they existed on January 1, 2025.

Sponsors & Cosponsors

Sponsors

  • Ricky Hill

    Republican • Senate

  • Lee Johnson

    Republican • House

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 131 • No: 0

Senate vote • 3/10/2025

Senate Vote - Monday, March 10, 2025 2:42:41 PM

Yes: 34 • No: 0

House vote • 2/27/2025

House Vote - Thursday, February 27, 2025 2:31:49 PM

Yes: 97 • No: 0

Actions Timeline

  1. Notification that HB1184 is now Act 263

    3/12/2025House

  2. Correctly enrolled and ordered transmitted to the Governor's Office.

    3/11/2025House

  3. TO BE ENROLLED

    3/10/2025House

  4. Returned from the Senate as passed.

    3/10/2025House

  5. Returned to the House as passed.

    3/10/2025Senate

  6. Read the third time and passed.

    3/10/2025Senate

  7. Returned by the Committee, with the recommendation that it Do Pass

    3/6/2025Senate

  8. Read first time, rules suspended, read second time, referred to INSURANCE & COMMERCE - SENATE

    2/27/2025Senate

  9. Received from the House.

    2/27/2025Senate

  10. Read the third time and passed and ordered transmitted to the Senate.

    2/27/2025House

  11. Returned by the Committee Do Pass

    2/26/2025House

  12. Re-referred to the Committee on INSURANCE & COMMERCE- HOUSE

    2/11/2025House

  13. REPORTED CORRECTLY ENGROSSED

    2/11/2025House

  14. Amendment No. 2 read and adopted and the bill ordered engrossed.

    2/11/2025House

  15. Placed on second reading for the purpose of amendment.

    2/11/2025House

  16. Returned by the Committee Do Pass

    2/5/2025House

  17. REPORTED CORRECTLY ENGROSSED

    2/4/2025House

  18. Amendment No. 1 read and adopted and the bill ordered engrossed.

    2/4/2025House

  19. Placed on second reading for the purpose of amendment.

    2/4/2025House

  20. Read the first time, rules suspended, read the second time and referred to the Committee on INSURANCE & COMMERCE- HOUSE

    1/22/2025House

  21. Filed

    1/21/2025House

Bill Text

  • HB1184 - Introduced

    1/21/2025

    PDF

  • Act Version

    PDF

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