: Mortgages - As introduced, enacts the "Tennessee Reverse Mortgage Innovation Act," which authorizes the use of a counselor approved by the department of financial institutions to satisfy the requirement that a buyer involved in a reverse mortgage loan receive independent counseling prior to closing; makes other changes related to reverse mortgage loans. - Amends TCA Title 39, Chapter 15, Part 5; Title 45, Chapter 2, Part 12; Title 45, Chapter 20; Title 47, Chapter 30 and Title 67, Chapter 4, Part 4.