# Georgia HB 240: Mortgage lenders and brokers; prohibit unfair or deceptive practices in consumer transactions related to mortgage trigger leads

Georgia HB 240, Mortgage lenders and brokers; prohibit unfair or deceptive practices in consumer transactions related to mortgage trigger leads, is a 2025-2026 Regular Session House bill sponsored by Demetrius Douglas (Democrat), Scott Hilton (Republican), Trey Rhodes (Republican) and 3 others; status signed, last action 2025-05-13 (House Date Signed by Governor) (as of 2026-10-19).

- Canonical: https://policyrisk.com/state-bill/GA-HB240-2025-2026
- As of: 2026-10-19
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Georgia HB 240
- State: Georgia
- Session: 2025-2026 Regular Session
- Title: Mortgage lenders and brokers; prohibit unfair or deceptive practices in consumer transactions related to mortgage trigger leads
- Status: signed
- Chamber: House
- Introduced: 2025-02-04
- Last action: 2025-05-13, House Date Signed by Governor
- Sponsors: Demetrius Douglas (Democrat), Scott Hilton (Republican), Trey Rhodes (Republican), Jason Ridley (Republican), Will Wade (Republican), Noel Williams (Republican)
- Cosponsors: 1
- Subjects: Banks & Banking, Banking and Financial Institutions, General Bill
- Touches household money: no
- Roll calls: 2 (216 yes, 1 no in all)
- Economic provisions PRIA read: 1

## Summary

No summary available.

## Bill overview: provisions PRIA read

- More protection for Georgia mortgage applicants: benefit, low. Georgia law limits mortgage sales pitches based on trigger leads—credit reports obtained after a loan application prompts a credit check. These rules apply when another mortgage lender or broker uses that lead to contact the applicant. The first pitch must disclose that the solicitor is not connect…

## Sponsors and cosponsors

- Sponsor: Demetrius Douglas (Democrat), House
- Sponsor: Scott Hilton (Republican), House
- Sponsor: Trey Rhodes (Republican), House
- Sponsor: Jason Ridley (Republican), House
- Sponsor: Will Wade (Republican), House
- Sponsor: Noel Williams (Republican), House
- Cosponsor: Matt Brass (Republican), Senate

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-03-31 | Senate | PASSAGE | pass | 51 | 1 | 3 |
| 2025-02-28 | House | PASSAGE | pass | 165 | 0 | 6 |

## Actions (17)

- 2025-05-13: House Date Signed by Governor (House)
- 2025-05-13: Act 177
- 2025-05-13: Effective Date
- 2025-04-07: House Sent to Governor (House)
- 2025-03-31: Senate Tabled (Senate)
- 2025-03-31: Senate Taken from Table (Senate)
- 2025-03-31: Senate Third Read (Senate)
- 2025-03-31: Senate Passed/Adopted (Senate)
- 2025-03-18: Senate Read Second Time (Senate)
- 2025-03-13: Senate Committee Favorably Reported (Senate)
- 2025-03-03: Senate Read and Referred (Senate)
- 2025-02-28: House Third Readers (House)
- 2025-02-28: House Passed/Adopted (House)
- 2025-02-20: House Committee Favorably Reported (House)
- 2025-02-06: House Second Readers (House)
- 2025-02-05: House First Readers (House)
- 2025-02-04: House Hopper (House)

## Bill text

- HB 240/AP* (v3): [PDF](https://www.legis.ga.gov/api/legislation/document/20252026/238495)

## Related bills

- SB 160: Reckless Stunt Driving; a motor vehicle involved in a second offense of reckless stunt driving; replace the forfeiture penalty (signed)
- SB 384: Motor Vehicle; optional five-year motor vehicle registration and revalidation for certain motor vehicles; provide (signed)
- SB 76: License Plates; specialty license plate benefitting the Georgia Veterans Service Foundation; establish (signed)
- SB 406: "Georgia Property Owners' Bill of Rights Act"; enact (signed)
- HB 1391: Specialty license plates; honor public safety officers; establish (signed)
- HB 1344: Georgia Insurance Affordability and Claims Integrity Act; enact (signed)

## Sources
- [HB 240/AP* (v3) (PDF)](https://www.legis.ga.gov/api/legislation/document/20252026/238495)

## Related
- [SB 160: Reckless Stunt Driving; a motor vehicle involved in a second offense of reckles…](https://policyrisk.com/state-bill/GA-SB160-2025-2026)
- [SB 384: Motor Vehicle; optional five-year motor vehicle registration and revalidation f…](https://policyrisk.com/state-bill/GA-SB384-2025-2026)
- [SB 76: License Plates; specialty license plate benefitting the Georgia Veterans Servic…](https://policyrisk.com/state-bill/GA-SB76-2025-2026)
- [SB 406: "Georgia Property Owners' Bill of Rights Act"; enact](https://policyrisk.com/state-bill/GA-SB406-2025-2026)
- [HB 1391: Specialty license plates; honor public safety officers; establish](https://policyrisk.com/state-bill/GA-HB1391-2025-2026)
- [HB 1344: Georgia Insurance Affordability and Claims Integrity Act; enact](https://policyrisk.com/state-bill/GA-HB1344-2025-2026)
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Source: PRIA, https://policyrisk.com/state-bill/GA-HB240-2025-2026 (as of 2026-10-19).