Iowa 2025-2026 Regular Session Status: Enacted

HF 857 — A bill for an act relating to solicitation by a financial institution using prescreened trigger lead information from a consumer report.

Last action — Signed by Governor.

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  1. ✓
    Introduced
  2. ✓
    In Committee
  3. ✓
    Passed House
  4. ✓
    Passed Senate
  5. ✓
    To Executive
  6. 6
    Enacted

This bill has been enacted into law. Introduced March 07, 2025. Enacted.

Signed by Governor Kim Reynolds (Republican) on April 18, 2025.

Prognosis

Likely to advance 70% · moderate confidence

Where this bill stands today.

Odds of enactment

High

How often bills like it became law.

  • Enacted

    Current position in the legislative process.

  • 1 sponsor

    1 primary, 0 co-sponsors signed on.

  • Cleared a recorded vote

    Passed 4 recorded votes so far.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Bill Text

What changed in the latest version

64 added · 86 removed

Plain-language change summary

The latest version of House File 857 includes specific provisions that make it unlawful for financial institutions to engage in misleading practices when soliciting consumers based on their credit reports. These changes specifically address situations where a bank may fail to provide a firm credit offer, target consumers who opted out of such solicitations, or alter initial offers to the consumer's disadvantage. This matters because it aims to protect consumers from unfair and deceptive practices in credit solicitations, ensuring they receive transparent information about loan offers.

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Latest
STATE OF IOWA KIM REYNOLDS GOVERNOR pil8,05 heHnralealPte ertryfSaeofoa tteaiol esMies,oa5019 earr.ertr, Ieeytasi:
House File 857 - Enrolled House File 857 AN ACT RELATING TO SOLICITATION BY A FINANCIAL INSTITUTION USING PRESCREENED TRIGGER LEAD INFORMATION FROM A CONSUMER REPORT.
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` il • 1• i•,y• i1 g !1 1 •I I I IIII • •1 1 !1 !!I• • I I 1 6!! 1!I ]1 I.ll I!lil1 ?flI I !I!I CI 01 !1L!I !1 0il House File 857 AN ACT RELATING TO SOLICITATION BY A FINANCIAL INSTITUTION USING PRESCREENED TRIGGER LEAD INFORMATION FROM A CONSUMER REPORT.
Section 1 .
Section 1.
525.1 Financial institutions — unfair practices.
525.1 Financial institutions —— unfair practices.
"Consumer report"" means the same as defined in the federal Fair Credit Reporting Act, 15 U.S.C.
“Consumer report” means the same as defined in the federal Fair Credit Reporting Act, 15 U.S.C.
Financial institution - means the same as defined in section 527.2, and includes a mortgage broker licensed under chapter 535B, a lender of mortgage loans or consumer loans, and any other person that engages in the business of lending money in the state.
“Financial institution” means the same as defined in section 527.2, and includes a mortgage broker licensed under chapter 535B, a lender of mortgage loans or consumer loans, and any other person that engages in the business of lending money in the state.
2 C.
2 c.
(1) Mortgage trigger lead - means a consumer report obtained pursuant to the federal Fair Credit Reporting Act, U.S.C.
(1) “Mortgage trigger lead” means a consumer report obtained pursuant to the federal Fair Credit Reporting Act, 15 U.S.C.
(2) Mortgage trigger lead - does not include a consumer report on an applicant obtained by a financial institution with which the applicant has initially applied for credit, or a financial institution that holds or services an existing extension of credit of the applicant who is the subject of the consumer report.
(2) “Mortgage trigger lead” does not include a consumer report on an applicant obtained by a financial institution with which the applicant has initially applied for credit, or a financial institution that holds or services an existing extension of credit of the applicant who is the subject of the consumer report.
c, The financial institution uses information regarding a consumer who has opted out of prescreened offers of credit or who has placed the consumers contact information on a federal do-not-call registry.
c.
The financial institution uses information regarding a consumer who has opted out of prescreened offers of credit or who has placed the consumer’s contact information on a federal do-not-call registry.
House Eile 857, p .
House File 857, p.
Section 714.16, subsection 2 , Code 2025, is amended by adding the following new paragraph:
Section 714.16, subsection 2, Code 2025, is amended by adding the following new paragraph:
NEW PARAGRAPH.
NEW PARAGRAPH .
Speaker of the House President of the Senate I hereby certify that this bill originated in the House and is known as House File 857, Ninety-first General Assembly.
______________________________ ______________________________ PAT GRASSLEY AMY SINCLAIR Speaker of the House President of the Senate I hereby certify that this bill originated in the House and is known as House File 857, Ninety-first General Assembly.
•2q14 / 1 6 •• MEQEAN NELSON Approved 2025
______________________________ MEGHAN NELSON Chief Clerk of the House Approved _______________, 2025 ______________________________ KIM REYNOLDS Governor
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Action History

  1. Signed by Governor.

  2. Reported correctly enrolled, signed by Speaker and President, and sent to Governor.

  3. Message from Senate.

  4. Immediate message.

  5. Passed Senate, yeas 47, nays 0.

  6. Substituted for SF 587.

  7. Placed on calendar under unfinished business.

  8. Read first time, attached to SF 587.

  9. Message from House.

  10. Immediate message.

  11. Passed House, yeas 96, nays 0.

  12. Introduced, placed on calendar.

Sponsors

  • COMMITTEE ON COMMERCE · Primary

Sponsorship breakdown

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1 sponsors · 0 co-sponsors · 149 not signed on

Sponsors (1)

  • COMMITTEE ON COMMERCE

Co-sponsors (0)

None.

Not signed on (149)

149 members have not signed on to this bill.

Show all 149 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

Shall the bill pass?

Passed 47 Yea · 0 Nay · 3 Other
Party YeaNayPresentNot Voting
Republican 31002
Democrat 16000
Unaffiliated 1001
Total 48003
% of votes cast 94%0%0%6%
How each member voted (51)
Member Party Vote
Celsi — Not Voting
De Witt — Yea
Art Staed Democrat Yea
Cindy Winckler Democrat Yea
Herman C. Quirmbach Democrat Yea
Izaah Knox Democrat Yea
Janet Petersen Democrat Yea
Janice Weiner Democrat Yea
Liz Bennett Democrat Yea
Matt Blake Democrat Yea
Mike Zimmer Democrat Yea
Molly Donahue Democrat Yea
Sarah Trone Garriott Democrat Yea
Sarah Trone Garriott Democrat Yea
Thomas Townsend Democrat Yea
Tony Bisignano Democrat Yea
William A. Dotzler Jr. Democrat Yea
Zach Wahls Democrat Yea
Adrian Dickey Republican Not Voting
Amy Sinclair Republican Not Voting
Annette Sweeney Republican Yea
Carrie Koelker Republican Yea
Charlie McClintock Republican Yea
Cherielynn Westrich Republican Yea
Dan Dawson Republican Yea
Dan Zumbach Republican Yea
Dave Sires Republican Yea
David D. Rowley Republican Yea
Dawn Driscoll Republican Yea
Dennis Guth Republican Yea
Doug Campbell Republican Yea
Jack Whitver Republican Yea
Jason Schultz Republican Yea
Jeff Reichman Republican Yea
Jeff Taylor Republican Yea
Jesse Green Republican Yea
Julian B. Garrett Republican Yea
Kara Warme Republican Yea
Ken Rozenboom Republican Yea
Kerry Gruenhagen Republican Yea
Kevin Alons Republican Yea
Lynn Evans Republican Yea
Mark Costello Republican Yea
Mark S. Lofgren Republican Yea
Mike Bousselot Republican Yea
Mike Klimesh Republican Yea
Mike Pike Republican Yea
Sandy Salmon Republican Yea
Scott Webster Republican Yea
Tim Kraayenbrink Republican Yea
Tom Shipley Republican Yea

Official roll call →

Shall the bill pass?

Passed 96 Yea · 0 Nay · 4 Other
Party YeaNayPresentNot Voting
Democrat 31001
Unaffiliated 4001
Republican 63002
Total 98004
% of votes cast 96%0%0%4%
How each member voted (102)
Member Party Vote
Jr. — Yea
Kniff — Yea
Scheetz — Yea
Sexton — Yea
Open — Not Voting
Adam Zabner Democrat Not Voting
Aime Wichtendahl Democrat Yea
Amy Nielsen Democrat Yea
Austin Baeth Democrat Yea
Beth Wessel-Kroeschell Democrat Yea
Bob Kressig Democrat Yea
Brian Meyer Democrat Yea
Daniel Gosa Democrat Yea
David Jacoby Democrat Yea
Dr. Megan L. Srinivas Democrat Yea
Elinor A. Levin Democrat Yea
Elizabeth Wilson Democrat Yea
Eric J. Gjerde Democrat Yea
Heather Matson Democrat Yea
J.D. Scholten Democrat Yea
Jeff Cooling Democrat Yea
Jennifer Konfrst Democrat Yea
Jerome Amos Jr. Democrat Yea
Josh Turek Democrat Yea
Ken Croken Democrat Yea
Kenan Judge Democrat Yea
Larry McBurney Democrat Yea
Lindsay James Democrat Yea
Mary Lee Madison Democrat Yea
Monica Kurth Democrat Yea
Rick L. Olson Democrat Yea
Rob Johnson Democrat Yea
Ross Wilburn Democrat Yea
Ruth Ann Gaines Democrat Yea
Sean Bagniewski Democrat Yea
Timi M. Brown-Powers Democrat Yea
Tracy A. Ehlert Democrat Yea
Ann Meyer Republican Yea
Austin Harris Republican Yea
Barb Kniff McCulla Republican Yea
Bill Gustoff Republican Not Voting
Bob Henderson Republican Yea
Bobby Kaufmann Republican Yea
Brent Siegrist Republican Not Voting
Brett Barker Republican Yea
Brian K. Lohse Republican Yea
Brooke Boden Republican Yea
Carter F. Nordman Republican Yea
Chad Behn Republican Yea
Chad Ingels Republican Yea
Charley Thomson Republican Yea
Christian A. Hermanson Republican Yea
Cindy Golding Republican Yea
Craig P. Johnson Republican Yea
Craig Steven Williams Republican Yea
Dan Gehlbach Republican Yea
David E. Young Republican Yea
David L. Blom Republican Yea
David Sieck Republican Yea
Dean Fisher Republican Yea
Derek Wulf Republican Yea
Devon Wood Republican Yea
Dr. Steven P. Bradley Republican Yea
Eddie Andrews Republican Yea
Gary M. Mohr Republican Yea
Hans C. Wilz Republican Yea
Heather Hora Republican Yea
Helena Hayes Republican Yea
Henry Stone Republican Yea
Jacob Bossman Republican Yea
Jane Bloomingdale Republican Yea
Jason Gearhart Republican Yea
Jennifer J. Smith Republican Yea
John H. Wills Republican Yea
Jon Dunwell Republican Yea
Joshua Meggers Republican Yea
Judd Lawler Republican Yea
Mark Cisneros Republican Yea
Mark I. Thompson Republican Yea
Matt W. Windschitl Republican Yea
Matthew Rinker Republican Yea
Megan Jones Republican Yea
Michael R. Bergan Republican Yea
Mike Vondran Republican Yea
Norlin G. Mommsen Republican Yea
Pat Grassley Republican Yea
Ray Sorensen Republican Yea
Ryan Weldon Republican Yea
Sam Wengryn Republican Yea
Samantha Fett Republican Yea
Shannon Latham Republican Yea
Shannon Lundgren Republican Yea
Skyler Wheeler Republican Yea
Steven C. Holt Republican Yea
Taylor R. Collins Republican Yea
Thomas Gerhold Republican Yea
Thomas Jay Moore Republican Yea
Thomas M. Jeneary Republican Yea
Tom Determann Republican Yea
Tom Shipley Republican Yea
Travis M. Sitzmann Republican Yea
Zach Dieken Republican Yea

Official roll call →

Shall the bill pass?

Passed 88 Yea · 0 Nay · 12 Other
Party YeaNayPresentNot Voting
Unaffiliated 44003
Republican 32003
Democrat 13006
Total 890012
% of votes cast 88%0%0%12%
How each member voted (101)
Member Party Vote
Abdul-Samad — Yea
Anderson — Yea
Bacon — Yea
Best — Yea
Bohannan — Yea
Breckenridge — Yea
Brink — Yea
Bush — Yea
Cahill — Yea
Cohoon — Yea
Deyoe — Yea
Dolecheck — Yea
Forbes — Yea
Gobble — Yea
Graber — Yea
Gustafson — Yea
Hall — Yea
Hansen — Yea
Hein — Yea
Hite — Yea
Hunter — Yea
Isenhart — Yea
Jacobsen — Yea
Kerr — Yea
Klein — Yea
Mascher — Yea
Maxwell — Yea
McConkey — Yea
Mitchell — Yea
Oldson — Yea
Osmundson — Yea
Paustian — Yea
Prichard — Yea
Running-Marquardt — Yea
Sexton — Yea
Shipley — Yea
Steckman — Yea
Sunde — Yea
Thede — Yea
Thorup — Yea
Wolfe — Yea
Worthan — Yea
Speaker — Yea
Baxter — Not Voting
Fry — Not Voting
Landon — Not Voting
Thompson, P. — Yea
Amy Nielsen Democrat Yea
Art Staed Democrat Not Voting
Beth Wessel-Kroeschell Democrat Yea
Bob Kressig Democrat Yea
Brian Meyer Democrat Yea
Cindy Winckler Democrat Not Voting
David Jacoby Democrat Not Voting
Eric J. Gjerde Democrat Yea
Jennifer Konfrst Democrat Yea
Kenan Judge Democrat Yea
Lindsay James Democrat Not Voting
Liz Bennett Democrat Yea
Molly Donahue Democrat Yea
Monica Kurth Democrat Not Voting
Rick L. Olson Democrat Yea
Ross Wilburn Democrat Yea
Ruth Ann Gaines Democrat Yea
Timi M. Brown-Powers Democrat Yea
Tracy A. Ehlert Democrat Not Voting
Ann Meyer Republican Yea
Bobby Kaufmann Republican Yea
Brent Siegrist Republican Yea
Brian K. Lohse Republican Yea
Brooke Boden Republican Not Voting
Carter F. Nordman Republican Yea
Chad Ingels Republican Yea
Charlie McClintock Republican Not Voting
Cherielynn Westrich Republican Yea
Craig Steven Williams Republican Yea
David Sieck Republican Yea
Dean Fisher Republican Yea
Dr. Steven P. Bradley Republican Yea
Eddie Andrews Republican Yea
Gary M. Mohr Republican Yea
Henry Stone Republican Yea
Jacob Bossman Republican Yea
Jane Bloomingdale Republican Yea
Jennifer J. Smith Republican Yea
John H. Wills Republican Yea
Mark Cisneros Republican Yea
Matt W. Windschitl Republican Yea
Megan Jones Republican Not Voting
Michael R. Bergan Republican Yea
Norlin G. Mommsen Republican Yea
Pat Grassley Republican Yea
Ray Sorensen Republican Yea
Sandy Salmon Republican Yea
Shannon Latham Republican Yea
Shannon Lundgren Republican Yea
Skyler Wheeler Republican Yea
Steven C. Holt Republican Yea
Thomas Gerhold Republican Yea
Thomas Jay Moore Republican Yea
Thomas M. Jeneary Republican Yea

Official roll call →

Shall the bill pass?

Passed 91 Yea · 0 Nay · 9 Other
Party YeaNayPresentNot Voting
Unaffiliated 43003
Republican 32003
Democrat 16003
Total 91009
% of votes cast 91%0%0%9%
How each member voted (100)
Member Party Vote
Abdul-Samad — Yea
Anderson — Yea
Bacon — Yea
Baxter — Yea
Best — Yea
Bohannan — Yea
Breckenridge — Yea
Brink — Yea
Bush — Yea
Cahill — Yea
Deyoe — Yea
Forbes — Yea
Fry — Yea
Gobble — Yea
Graber — Yea
Gustafson — Yea
Hall — Yea
Hansen — Yea
Hein — Yea
Hite — Yea
Hunter — Yea
Jacobsen — Yea
Kerr — Yea
Klein — Yea
Landon — Yea
Mascher — Yea
Maxwell — Yea
McConkey — Yea
Mitchell — Yea
Oldson — Yea
Osmundson — Yea
Paustian — Yea
Prichard — Yea
Running-Marquardt — Yea
Sexton — Yea
Shipley — Yea
Steckman — Yea
Sunde — Yea
Thede — Yea
Thorup — Yea
Wolfe — Yea
Worthan — Yea
Cohoon — Not Voting
Dolecheck — Not Voting
Isenhart — Not Voting
Thompson, P. — Yea
Amy Nielsen Democrat Not Voting
Art Staed Democrat Not Voting
Beth Wessel-Kroeschell Democrat Yea
Bob Kressig Democrat Yea
Brian Meyer Democrat Yea
Cindy Winckler Democrat Yea
David Jacoby Democrat Yea
Eric J. Gjerde Democrat Yea
Jennifer Konfrst Democrat Yea
Kenan Judge Democrat Yea
Lindsay James Democrat Yea
Liz Bennett Democrat Yea
Molly Donahue Democrat Yea
Monica Kurth Democrat Yea
Rick L. Olson Democrat Yea
Ross Wilburn Democrat Yea
Ruth Ann Gaines Democrat Not Voting
Timi M. Brown-Powers Democrat Yea
Tracy A. Ehlert Democrat Yea
Ann Meyer Republican Yea
Bobby Kaufmann Republican Yea
Brent Siegrist Republican Not Voting
Brian K. Lohse Republican Yea
Brooke Boden Republican Yea
Carter F. Nordman Republican Yea
Chad Ingels Republican Yea
Charlie McClintock Republican Yea
Cherielynn Westrich Republican Yea
Craig Steven Williams Republican Yea
David Sieck Republican Yea
Dean Fisher Republican Yea
Dr. Steven P. Bradley Republican Yea
Eddie Andrews Republican Yea
Gary M. Mohr Republican Yea
Henry Stone Republican Yea
Jacob Bossman Republican Yea
Jane Bloomingdale Republican Yea
Jennifer J. Smith Republican Not Voting
John H. Wills Republican Yea
Mark Cisneros Republican Yea
Matt W. Windschitl Republican Yea
Megan Jones Republican Not Voting
Michael R. Bergan Republican Yea
Norlin G. Mommsen Republican Yea
Pat Grassley Republican Yea
Ray Sorensen Republican Yea
Sandy Salmon Republican Yea
Shannon Latham Republican Yea
Shannon Lundgren Republican Yea
Skyler Wheeler Republican Yea
Steven C. Holt Republican Yea
Thomas Gerhold Republican Yea
Thomas Jay Moore Republican Yea
Thomas M. Jeneary Republican Yea

Official roll call →

Subjects

finance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

Who sponsors HF 857?
HF 857 is sponsored by COMMITTEE ON COMMERCE.
What is the current status of HF 857?
This bill has been enacted into law. Introduced March 07, 2025. Enacted.
Where can I track HF 857?
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