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Committee hears resolution asking state to review “trigger” consumer contacts after credit inquiries
Summary
House Joint Resolution 33, a trigger-resolution addressing unsolicited calls, texts and emails that follow credit-related inquiries, received largely supportive testimony; the sponsor said the resolution asks the state to study the problem and consider policy responses.
Representative Terry Falk presented House Joint Resolution 33, a trigger-resolution that would ask state officials to review and address the practice by which people who apply for credit receive unsolicited marketing calls, texts and emails after credit inquiries. Falk said constituents complained about “a barrage of unrequested emails and...phone calls and text messages” following credit checks and urged the committee to move the resolution forward.
Committee members asked whether the resolution would cover political messages and what balance should be struck between consumer protection and competition. Falk said the resolution was crafted to address the most widespread complaints and that federal efforts have struggled to balance those objectives.
The sponsor noted support from the Utah attorney general’s office and the state banking commissioner for similar measures and recommended committee action. No informational witnesses testified and no opponents appeared during the hearing. The committee closed the hearing with the sponsor urging committee members to read the resolution’s whereas clauses, which he said summarize constituent concerns, and indicated it would be considered in executive action.
