Tennessee legislators approve human trafficking training for tattoo artists

A pivotal discussion on lending practices took center stage during the House Commerce Committee meeting on February 26, 2025, as lawmakers addressed the introduction of new loan options aimed at enhancing accessibility for borrowers. The proposed legislation seeks to establish a new benchmark for loans exceeding 15 years, moving away from outdated standards that have hindered lending opportunities.

The bill's sponsor clarified that the initiative was driven by the lending industry, emphasizing that it does not open doors to predatory lending practices. "The same applicable laws would apply to the current ability to get a loan for 15 years or less," the sponsor stated, reassuring committee members that consumer protections remain intact.

Key discussions also highlighted the nature of these loans, which will be secured by the borrower's home, functioning as a second mortgage subordinate to the primary mortgage. This structure aims to provide borrowers with more flexible options without compromising their financial security.

In a related matter, the committee also reviewed House Bill 182, known as the Ink of Hope Act. This legislation mandates that tattoo operators undergo training to recognize and respond to signs of human trafficking. Chairlady Littleton, who introduced the bill, noted its significance in addressing the issue of traffickers marking their victims with tattoos. "Anything we can do to impede that scourge from our boundaries is greatly appreciated," she remarked, underscoring the bill's importance in combating human trafficking.

Both pieces of legislation received unanimous support from the committee, with votes tallying 22 ayes and no opposition. As these bills advance, they signal a proactive approach to both lending reform and social justice initiatives in Tennessee.