RESIDENTIAL MORTGAGE PRACTICES – Adds to existing law to provide for consumer privacy in mortgage applications.

Idaho's H 149 adds new privacy protections to mortgage applications by prohibiting solicitors from using consumer reports (called "mortgage trigger leads") without clear disclosure. The law requires solicitors to explicitly state if they are not affiliated with the consumer's initial lender, that personal information was purchased without permission, and to comply with federal prescreening rules. It specifically bans using such reports to contact consumers who have opted out of prescreened offers or who are on "do-not-call" lists. This directly affects mortgage applicants and lenders/solicitors who use third-party consumer data for marketing. Violations are treated as violations of Idaho's Consumer Protection Act.