House Joint Resolution No. urges the United States Congress to take action against unsolicited offers of mortgage credit, commonly referred to as "trigger leads." The resolution highlights the negative impact of these unsolicited credit solicitations on Montanans, who receive numerous unwanted communications from unknown financial institutions after expressing interest in obtaining a mortgage. The Montana Legislature views trigger leads as a public nuisance that can lead to identity theft and harassment, advocating for either regulation or outright prohibition of such practices.

The resolution also points out that current federal laws, including the Fair Credit Reporting Act and oversight by the Consumer Financial Protection Bureau, have failed to provide adequate protection against trigger leads, allowing them to proliferate without meaningful state intervention. It calls for Congress to take decisive action to protect citizens from these unsolicited offers and to remove federal preemption that currently hinders state efforts to regulate trigger leads. The Secretary of State is tasked with sending copies of this resolution to each member of the Montana Congressional Delegation.