---
type: "Bill"
title: "Consumer Protection - As enacted, enacts the \"Debt Resolution Services Act.\" - Amends TCA Title 47, Chapter 18."
description: "Consumer Protection - As enacted, enacts the \"Debt Resolution Services Act.\" - Amends TCA Title 47, Chapter 18."
jurisdiction: "us/states/tn"
legislature: "Tennessee General Assembly"
session: "114"
identifier: "HB 743"
citation: "Tennessee HB 743 (114)"
classification: ["bill"]
subjects: ["Consumer Protection"]
status: "enacted"
primary_sponsors: ["Keisling"]
version_count: 4
action_count: 27
vote_count: 5
first_action: "2025-02-03"
last_action: "2025-04-28"
source: "openstates"
source_identifier: "ocd-bill/e794645b-1179-44fc-9367-2872a784ef6a"
source_url: "https://wapp.capitol.tn.gov/apps/BillInfo/Default?BillNumber=HB0743&ga=114"
source_hash: "b6f7e89c532721f3a727d949def594122d1e0305097736d31563e5db9ec98eaa"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-tn"]
---

# Tennessee HB 743 (114) — Consumer Protection - As enacted, enacts the "Debt Resolution Services Act." - Amends TCA Title 47, Chapter 18.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Amendment HA0187** (committee substitute) — [source](https://capitol.tn.gov/Bills/114/Amend/HA0187.pdf)
2. **Amendment HA0188** (committee substitute) — [source](https://capitol.tn.gov/Bills/114/Amend/HA0188.pdf)
3. **Amendment SA0232** (committee substitute) — [source](https://capitol.tn.gov/Bills/114/Amend/SA0232.pdf)
4. **Current Version** (committee substitute) — [source](https://capitol.tn.gov/Bills/114/Bill/HB0743.pdf)

## Votes

- HOUSE COMMERCE COMMITTEE: Rec. for pass. if am., ref. to Calendar & Rules Committee 3/26/2025 Passed (3) — **22–0** (pass) · lower
- HOUSE CALENDAR & RULES COMMITTEE: H. Placed on Regular Calendar for 3/31/2025 3/27/2025 (2) — **0–0** (fail) · lower
- FLOOR VOTE: Third Consideration 4/10/2025 Passed (1) — **31–1** (pass) · upper
- HOUSE BANKING AND CONSUMER AFFAIRS SUBCOMMITTEE: Rec for pass if am by s/c ref. to Commerce Committee 3/19/2025 Passed (4) — **7–0** (pass) · lower
- FLOOR VOTE: REGULAR CALENDAR AS AMENDED PASSAGE ON THIRD CONSIDERATION 3/31/2025 Passed (1) — **93–0** (pass) · lower

## Sponsors

- Keisling — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2025-02-03** Filed for introduction `filing`
- **2025-02-05** Intro., P1C. `introduction`
- **2025-02-06** P2C, caption bill, held on desk - pending amdt.
- **2025-03-12** Placed on s/c cal Banking & Consumer Affairs Subcommittee for 3/19/2025
- **2025-03-12** Assigned to s/c Banking & Consumer Affairs Subcommittee `referral-committee`
- **2025-03-12** Ref. to Commerce Committee `referral-committee`
- **2025-03-19** Placed on cal. Commerce Committee for 3/26/2025
- **2025-03-19** Rec for pass if am by s/c ref. to Commerce Committee `referral-committee`
- **2025-03-26** Placed on cal. Calendar & Rules Committee for 3/27/2025
- **2025-03-26** Rec. for pass. if am., ref. to Calendar & Rules Committee `committee-passage-favorable`
- **2025-03-26** Sponsor(s) Added. `sponsorship`
- **2025-03-27** H. Placed on Regular Calendar for 3/31/2025
- **2025-03-31** Passed H., as am., Ayes 93, Nays 0, PNV 1 `passage`
- **2025-03-31** H. adopted am. (Amendment 2 - HA0188) `amendment-passage`
- **2025-03-31** H. adopted am. (Amendment 1 - HA0187) `amendment-passage`
- **2025-04-01** Engrossed; ready for transmission to Sen. `receipt`
- **2025-04-03** Received from House, Passed on First Consideration `introduction`
- **2025-04-10** Passed Senate, Ayes 31, Nays 1 `passage`
- **2025-04-10** Amendment withdrawn. (Amendment 1 - SA0232)
- **2025-04-10** Senate substituted House Bill for companion Senate Bill. `substitution`
- **2025-04-11** Enrolled; ready for sig. of H. Speaker. `enrolled`
- **2025-04-14** Signed by H. Speaker `passage`
- **2025-04-15** Signed by Senate Speaker `passage`
- **2025-04-16** Transmitted to Governor for his action. `executive-receipt`
- **2025-04-24** Signed by Governor. `executive-signature`
- **2025-04-28** Effective date(s) 07/01/2025, 01/01/2026
- **2025-04-28** Pub. Ch. 287

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/e794645b-1179-44fc-9367-2872a784ef6a`. Confidence: reported (aggregated from official Tennessee legislature records).