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House adopts mortgage data restrictions after amendment; bill passes unanimously
Summary
The Utah House passed HB 99, which restricts certain mortgage-data sale and use by mortgage professionals. Representatives approved an amendment clarifying penalties before passing the bill 73-0.
House Bill 99, a measure limiting the sale and use of consumer data by mortgage professionals, passed the Utah House of Representatives with a 73-0 vote on Feb. 5, 2025.
The bill, sponsored by Representative Bennion, prohibits mortgage professionals doing business in Utah from buying, selling or using certain consumer data gathered when someone applies for a mortgage. The House adopted Amendment 1, offered by Bennion, to clarify the penalty provisions before final passage.
Representative Bennion, the bill sponsor, told the House the measure aims to protect people’s privacy after they open credit to apply for a mortgage. "This means that this endless calls and solicitations that many people receive after opening their credit for a mortgage will not receive those calls anymore," Bennion said on the floor.
Representative Sawyer spoke in support, calling the bill "good consumer protection." Bennion also said the Utah Mortgage Professionals Association and the Utah Board of Realtors support the legislation.
Amendment 1 (Bennion) was moved and adopted before final passage; the amendment was described on the floor as clarifying the penalty for unlawful data sale or use. Voting on the final bill showed 73 yes votes and 0 no votes; the bill will be sent to the Senate for consideration.
The measure was presented and debated during the House third reading calendar; the House record shows the committee assignment and the floor amendment process as part of routine floor action.
