Resolution to urge U.S. Congress to take action relating to mortgage trigger leads

This Montana joint resolution (LC 4382) urges the U.S. Congress to address unsolicited mortgage offers known as "trigger leads." It directly affects Montana residents who receive unwanted emails, calls, texts, or mail from unknown lenders, which occur when entities obtain leads from borrowers seeking mortgages through trusted lenders. The resolution argues that current federal law (the Fair Credit Reporting Act) prevents states from regulating these offers and that existing opt-out systems are ineffective. It specifically requests Congress either eliminate trigger leads or allow states like Montana to regulate them without federal preemption.