PRIA Logo™
UtahH.B. 992025 General SessionHouseWALLET

Residential Mortgage Loan Amendments

Sponsored By: Bennion, Gay Lynn

Signed by Governor

Mortgage/Deed of TrustBusinessReal Property

Personalized for You

How does this bill affect your finances?

Personalize government policy and PRIA will tell you what this bill means for your household, plus every other piece of legislation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.

Free to download

Bill Overview

Analyzed Economic Effects

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

Mortgage applicants gain protections against misleading offers

Beginning May 7, 2025, Utah restricts competing mortgage offers based on credit-report information shared with an unrelated third party. These rules protect people who applied for a mortgage at another financial institution. The sender’s first offer must disclose that it is not affiliated with the original mortgage company or broker. Senders must follow solicitation laws, including the firm-offer-of-credit requirement, and cannot knowingly offer rates, terms, or costs they will later worsen. Utah’s Division of Real Estate may issue citations for violations.

Sponsors & Cosponsors

Sponsor

  • Bennion, Gay Lynn

    Affiliation unavailable

Cosponsors

  • Jake Fitisemanu

    Democratic • House

  • Wayne A. Harper

    Republican • Senate

  • Grant Amjad Miller

    Democratic • House

  • Michael J. Petersen

    Republican • House

  • Jake Sawyer

    Republican • House

Roll Call Votes

All Roll Calls

Yes: 135 • No: 0

Senate vote • 2/28/2025

Senate/ passed 3rd reading

Yes: 26 • No: 0

Senate vote • 2/19/2025

Senate/ circled

Yes: 0 • No: 0

Senate vote • 2/19/2025

Senate/ uncircled

Yes: 0 • No: 0

Senate vote • 2/19/2025

Senate/ passed 2nd reading

Yes: 22 • No: 0

Senate vote • 2/14/2025

Senate Comm - Favorable Recommendation

Yes: 4 • No: 0

House vote • 2/6/2025

House/ passed 3rd reading

Yes: 73 • No: 0

House vote • 2/6/2025

House/ floor amendment

Yes: 0 • No: 0

House vote • 1/28/2025

House Comm - Favorable Recommendation

Yes: 10 • No: 0

Senate vote • Unknown

Senate/ uncircled

Yes: 0 • No: 0

House vote • Unknown

House/ floor amendment

Yes: 0 • No: 0

Senate vote • Unknown

Senate/ circled

Yes: 0 • No: 0

Actions Timeline

  1. Governor Signed

    3/25/2025

  2. House/ to Governor

    3/17/2025House

  3. House/ received enrolled bill from Printing

    3/17/2025House

  4. House/ enrolled bill to Printing

    3/7/2025House

  5. Enrolled Bill Returned to House or Senate

    3/7/2025

  6. Draft of Enrolled Bill Prepared

    3/4/2025

  7. Bill Received from House for Enrolling

    3/4/2025

  8. House/ signed by Speaker/ sent for enrolling

    3/3/2025House

  9. House/ received from Senate

    3/3/2025House

  10. Senate/ to House

    2/28/2025Senate

  11. Senate/ signed by President/ returned to House

    2/28/2025Senate

  12. Senate/ passed 3rd reading

    2/28/2025Senate

  13. Senate/ placed on 3rd Reading Calendar table

    2/19/2025Senate

  14. Senate/ 3rd reading

    2/19/2025Senate

  15. Senate/ passed 2nd reading

    2/19/2025Senate

  16. Senate/ uncircled

    2/19/2025Senate

  17. Senate/ circled

    2/19/2025Senate

  18. Senate/ 2nd reading

    2/19/2025Senate

  19. Senate/ placed on 2nd Reading Calendar

    2/14/2025Senate

  20. Senate/ committee report favorable

    2/14/2025Senate

  21. Senate Comm - Favorable Recommendation

    2/14/2025Senate

  22. Senate/ to standing committee

    2/13/2025Senate

  23. Senate/ 1st reading (Introduced)

    2/7/2025Senate

  24. Senate/ received from House

    2/6/2025Senate

  25. House/ to Senate

    2/6/2025House

Bill Text

  • Enrolled

    3/7/2025

    PDF

  • Amended 2/6/2025 11:02:239

    2/6/2025

    PDF

  • Introduced

    1/3/2025

    PDF

Related Bills

Back to State Legislation