This joint resolution from the Montana Legislature urges the United States Congress to take action against unsolicited offers of mortgage credit, commonly referred to as "trigger leads." These unsolicited offers inundate Montanans with unwanted communications from various financial institutions, often leading to harassment and potential identity theft. The resolution highlights the inadequacy of current federal regulations, specifically the Fair Credit Reporting Act and the Consumer Financial Protection Bureau, which have failed to effectively address the issue of trigger leads and have shielded them from state regulation.

The Montana Legislature calls for Congress to either curtail or eliminate trigger leads entirely or, at a minimum, allow states like Montana to regulate them without federal preemption. The resolution emphasizes the need for meaningful federal action to protect citizens from the negative impacts of these unsolicited credit offers and requests that a copy of the resolution be sent to each member of the Montana Congressional Delegation.