All Roll Calls
Yes: 134 • No: 0
Sponsored By: null Corporations
Signed by Governor
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4 provisions identified: 1 benefits, 0 costs, 3 mixed.
Beginning July 1, 2026, certain mortgage changes keep the loan’s original lien priority. The existing mortgage still secures the debt after the change, even if you do not record it. The change is not treated as a new loan. Covered changes include lowering the interest rate, extending the term, switching between fixed and adjustable tied to a recognized index (without a rate increase that day), capitalizing unpaid interest, forgiving principal or interest, and adjusting escrow, insurance, financial covenants, or payment schedules that follow those changes. Changing the note, loan agreement, or a guaranty also counts as a mortgage modification under this law.
Beginning July 1, 2026, the law defines a mortgage as a lien that secures payment on real property. It excludes liens that secure a unit owner’s condo, owners’ association, or co‑op dues, fees, or assessments. Those association charges are not treated as mortgages under this act.
Beginning July 1, 2026, the law leaves other rules in place, like recording rules, statutes of limitations, tax lien priority, the statute of frauds, and the state electronic transactions law. It usually does not change the priority rules for future advances. It does not cover releases or additions of property, changes to who owes the debt, or transfers of the mortgage or note. Courts should interpret this law to match other states and should not read it to cancel the validity or priority of mortgage changes that are not on the listed types.
Beginning July 1, 2026, the law limits how the federal E‑SIGN law applies to mortgage changes under this act. It does not change E‑SIGN’s consumer consent rule at 15 U.S.C. § 7001(c). It also does not allow electronic delivery of the federal notices listed in 15 U.S.C. § 7003(b).
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null Corporations
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There are no cosponsors for this bill.
All Roll Calls
Yes: 134 • No: 0
House vote • 2/25/2026
H 3rd Reading:Passed 59-0-3-0-0
Yes: 59 • No: 0
House vote • 2/19/2026
H07 - Corporations:Recommend Do Pass 8-0-1-0-0
Yes: 8 • No: 0
Senate vote • 2/13/2026
S 3rd Reading:Passed 31-0-0-0-0
Yes: 31 • No: 0
Senate vote • 2/11/2026
S07 - Corporations:Recommend Amend and Do Pass 5-0-0-0-0
Yes: 5 • No: 0
House vote • 2/9/2026
S Introduced and Referred to S07 - Corporations 31-0-0-0-0
Yes: 31 • No: 0
Governor Signed SEA No. 0003
Assigned Chapter Number 6
H Speaker Signed SEA No. 0003
H 3rd Reading:Passed 59-0-3-0-0
Assigned Number SEA No. 0003
S President Signed SEA No. 0003
H 2nd Reading:Passed
H COW:Passed
H07 - Corporations:Recommend Do Pass 8-0-1-0-0
H Placed on General File
H Introduced and Referred to H07 - Corporations
S 3rd Reading:Passed 31-0-0-0-0
H Received for Introduction
S 2nd Reading:Passed
S07 - Corporations:Recommend Amend and Do Pass 5-0-0-0-0
S Placed on General File
S COW:Passed
S Introduced and Referred to S07 - Corporations 31-0-0-0-0
S Received for Introduction
Bill Number Assigned
Engrossed
Enrolled
Introduced
SF 81 — AN ACT relating to K-12 public school finance; implementing the 2025 cost of education study as modified by the legislature; modifying the education resource block grant model; modifying cash reserves; restricting expenditure of funds distributed through the school foundation program account; creating a new grant program for the post secondary education enrollment options program; making conforming amendments; requiring rulemaking; repealing provisions; providing an appropriation; and providing for effective dates.
SF 1 — AN ACT to make appropriations for the fiscal biennium commencing July 1, 2026 and ending June 30, 2028; providing definitions; providing for appropriations and transfers of funds for the period of the budget and for the remainder of the current biennium ending June 30, 2026 as specified; providing for carryover of certain funds beyond the biennium as specified; providing for employee positions as specified; providing for duties, terms and conditions and other requirements relating to appropriations for the remainder of the current biennium ending June 30, 2026 and the period of the budget as specified; providing for position and other budgetary limitations; continuing an account; authorizing grants and loans; discharging interfund loans; funding a higher education program; requiring an audit of funds; making conforming amendments; amending and repealing prior appropriations; and providing for effective dates.
HB 126 — AN ACT relating to public health and safety; providing legislative findings; specifying requirements associated with the termination of pregnancies; prohibiting procedures that terminate the life of a child with a detectable heartbeat; specifying exceptions to the prohibition; specifying penalties; providing definitions; making conforming amendments; and providing for an effective date.
SF 55 — AN ACT relating to banks, banking and finance; amending special purpose depository institution initial capital stock requirements; amending requirements for special purpose depository institutions to commence business as specified; amending requirements for the application to charter special purpose depository institutions as specified; amending the timeline special purpose depository institutions must commence business; authorizing appeals of decisions of the commissioner; amending the appealable court for decisions relating to special purpose depository institutions; creating a special purpose depository institution resolution fund account; specifying authorized expenditures and the investment of funds in the account; requiring a portion of supervisory fees to be paid to the account; repealing the requirement that special purpose depository institutions maintain a contingency account; making conforming amendments; requiring rulemaking; and providing for effective dates.
SF 57 — AN ACT relating to public health and safety; requiring hospitals to list prices for medical items and services as specified; requiring the department of health to monitor and enforce the provisions of this act; providing penalties; providing definitions; requiring recommendations for future legislation; requiring rulemaking; making conforming amendments; providing a sunset date; and providing for effective dates.
SF 69 — AN ACT relating to water; requiring a study of waste water and storm water infrastructure in the state as specified; requiring reports; specifying ownership of data collected pursuant to the study; providing requirements for production, disclosure and dissemination of data collected; providing an appropriation; and providing for an effective date.
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