# Montana HB 114: Generally revise consumer protection laws Montana HB 114, Generally revise consumer protection laws, is a 69th Legislature, Regular Session (2025) House bill sponsored by Steve Fitzpatrick (Republican); status signed, last action 2025-05-05 (Chapter Number Assigned); PRIA reads it as touching household money (as of 2026-10-12). - Canonical: https://policyrisk.com/state-bill/MT-HB114-2025 - As of: 2026-10-12 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Montana HB 114 - State: Montana - Session: 69th Legislature, Regular Session (2025) - Title: Generally revise consumer protection laws - Status: signed - Chamber: House - Introduced: 2024-12-26 - Last action: 2025-05-05, Chapter Number Assigned - Sponsor: Steve Fitzpatrick (Republican) - Cosponsors: 1 - Subjects: Insurance, Credit Transactions, Financial Institutions - Touches household money: yes - Roll calls: 4 (295 yes, 0 no in all) - Economic provisions PRIA read: 5 ## Summary No summary available. ## Bill overview: provisions PRIA read - Lenders cannot force your insurer: benefit, medium. Beginning January 1, 2026, lenders cannot require you to buy or renew insurance from a specific company or agent to get a loan. They can say insurance is required or offer their own coverage, but they cannot solicit property insurance until they give you a written loan commitment. Your policy from… - Clear rules for insurance planners: benefit, low. Beginning January 1, 2026, an insurance seller who lacks a recognized planning credential cannot call themselves a financial planner or adviser. A credentialed seller may show the credential but cannot charge extra fees for normal policy sales or service. If the seller offers financial planning, th… - Get your policy claims history: benefit, low. Beginning January 1, 2026, your insurer must give you, or your named agent, a list of claims charged to your policy when you ask. Failing to provide this list is an unfair claim practice. - More oversight of insurers and lead sellers: benefit, low. Beginning January 1, 2026, the law defines health insurance lead generators and makes them subject to insurance rules. A lead generator uses ads or other messages to build or sell lists of people for health insurance. Insurers must keep full records of all complaints since their last exam, includin… - Stronger ban on deceptive insurance ads: benefit, low. Beginning January 1, 2026, the law bans deceptive insurance ads and sales pitches across email, websites, radio, TV, and other electronic media. It forbids intentional misquotes of premiums to make a sale and false claims about using a policy for a loan. It also bans offering insurance as bait to s… ## Sponsors and cosponsors - Sponsor: Steve Fitzpatrick (Republican), House - Cosponsor: Mark Noland (Republican), Senate ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-04-08 | Senate | Do Concur | pass | 48 | 0 | | | 2025-04-07 | Senate | Do Concur | pass | 49 | 0 | | | 2025-02-03 | House | Do Pass | pass | 99 | 0 | | | 2025-01-31 | House | Do Pass | pass | 99 | 0 | | ## Actions (27) - 2025-05-05: Chapter Number Assigned (House) - 2025-05-01: Signed by Governor (House) - 2025-04-22: Transmitted to Governor (House) - 2025-04-21: Signed by President (Senate) - 2025-04-18: Signed by Speaker (House) - 2025-04-10: Returned from Enrolling (House) - 2025-04-08: Sent to Enrolling (House) - 2025-04-08: 3rd Reading (Senate) - 2025-04-07: 2nd Reading (Senate) - 2025-03-19: Committee Report (Senate) - 2025-03-19: Committee Executive Action (Senate) - 2025-02-27: Hearing (Senate) - 2025-02-18: Referred to Committee (Senate) - 2025-02-04: 1st Reading (Senate) - 2025-02-03: Transmitted to Senate (House) - 2025-02-03: 3rd Reading (House) - 2025-01-31: 2nd Reading (House) - 2025-01-28: Committee Report (House) - 2025-01-28: Committee Executive Action (House) - 2025-01-10: Hearing (House) - 2025-01-08: Fiscal Note Printed (House) - 2025-01-08: Fiscal Note Unsigned (House) - 2025-01-07: Fiscal Note Received (House) - 2025-01-06: 1st Reading (House) - 2024-12-30: Referred to Committee (House) - 2024-12-26: Fiscal Note Requested (House) - 2024-12-26: Introduced (House) ## Bill text - Enrolled, 2025-04-09: [PDF](https://docs.legmt.gov/download-ticket?ticketId=511af9ef-6218-4300-9bac-9af724c4afeb) - As Amended (Version 2), 2025-01-29: [PDF](https://docs.legmt.gov/download-ticket?ticketId=7f10df1d-9bd6-4235-b6d1-e4d145ab4889) - Introduced, 2024-12-26: [PDF](https://docs.legmt.gov/download-ticket?ticketId=25f4650d-380c-442a-af86-621677143880) ## Related bills - SB 437: Revise definition of sex in Montana law (signed) - HB 831: Increase elderly homeowner and renter income tax credit (vetoed) - HB 628: Revise early literacy targeted intervention laws (vetoed) - SB 410: Provide for Montana genomic security act (vetoed) - SB 422: Generally revise laws relating to insurance coverage relating to cancer (vetoed) - SB 424: Revising the disabled veteran property tax assistance program (vetoed) ## Sources - [Enrolled (PDF)](https://docs.legmt.gov/download-ticket?ticketId=511af9ef-6218-4300-9bac-9af724c4afeb) - [As Amended (Version 2) (PDF)](https://docs.legmt.gov/download-ticket?ticketId=7f10df1d-9bd6-4235-b6d1-e4d145ab4889) - [Introduced (PDF)](https://docs.legmt.gov/download-ticket?ticketId=25f4650d-380c-442a-af86-621677143880) ## Related - [SB 437: Revise definition of sex in Montana law](https://policyrisk.com/state-bill/MT-SB437-2025) - [HB 831: Increase elderly homeowner and renter income tax credit](https://policyrisk.com/state-bill/MT-HB831-2025) - [HB 628: Revise early literacy targeted intervention laws](https://policyrisk.com/state-bill/MT-HB628-2025) - [SB 410: Provide for Montana genomic security act](https://policyrisk.com/state-bill/MT-SB410-2025) - [SB 422: Generally revise laws relating to insurance coverage relating to cancer](https://policyrisk.com/state-bill/MT-SB422-2025) - [SB 424: Revising the disabled veteran property tax assistance program](https://policyrisk.com/state-bill/MT-SB424-2025) - [Montana bills](https://policyrisk.com/states/montana/bills) - [Montana state hub](https://policyrisk.com/states/montana) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/MT-HB114-2025 (as of 2026-10-12).