# Alabama HB55: Mortgages; authorize lenders to mortgagors to make additional mortgage payments

Alabama HB55, Mortgages; authorize lenders to mortgagors to make additional mortgage payments, is a 2026 Regular Session House bill sponsored by Rolanda Hollis (Democratic); status enacted, last action 2026-04-16 (Enacted); PRIA reads it as touching household money (as of 2026-10-16).

- Canonical: https://policyrisk.com/state-bill/AL-HB55-2026rs
- As of: 2026-10-16
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Alabama HB55
- State: Alabama
- Session: 2026 Regular Session
- Title: Mortgages; authorize lenders to mortgagors to make additional mortgage payments
- Status: enacted
- Chamber: House
- Introduced: 2026-01-13
- Last action: 2026-04-16, Enacted
- Sponsor: Rolanda Hollis (Democratic)
- Cosponsors: 0
- Subjects: Businesses & Financial Institutions
- Touches household money: yes
- Roll calls: 5 (445 yes, 0 no in all)
- Economic provisions PRIA read: 1

## Summary

No summary available.

## Bill overview: provisions PRIA read

- More payment options for Alabama mortgage borrowers: benefit, low. Beginning October 1, 2026, mortgage servicers can allow penalty-free payments every two weeks or twice a month. This covers consumer mortgages secured by Alabama real property and started on or after that date. Open-end mortgages and home equity products are excluded. The provision also excludes se…

## Sponsors and cosponsors

- Sponsor: Rolanda Hollis (Democratic), House

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2026-04-08 | Senate | Motion to Read a Third Time and Pass - Adopted Roll Call 1287 | pass | 30 | 0 |   |
| 2026-03-03 | House | Third Reading in House of Origin | pass | 102 | 0 |   |
| 2026-03-03 | House | Motion to Read a Third Time and Pass as Amended - Adopted Roll Call 706 | pass | 104 | 0 |   |
| 2026-03-03 | House | Motion to Adopt - Adopted Roll Call 704 | pass | 104 | 0 |   |
| 2026-03-03 | House | Motion to Adopt - Adopted Roll Call 705 | pass | 105 | 0 |   |

## Actions (22)

- 2026-04-16: Enacted (House)
- 2026-04-09: Ready to Enroll (House)
- 2026-04-09: Enrolled (House)
- 2026-04-09: Signature Requested (Senate)
- 2026-04-09: Delivered to Governor (House)
- 2026-04-08: Motion to Read a Third Time and Pass - Adopted Roll Call 1287 (Senate)
- 2026-03-17: Reported Out of Committee Second House (Senate)
- 2026-03-17: Read for the Second Time and placed on the Calendar (Senate)
- 2026-03-03: Third Reading in House of Origin (House)
- 2026-03-03: Financial Services 1st Substitute Offered (House)
- 2026-03-03: Motion to Adopt - Adopted Roll Call 704 (House)
- 2026-03-03: Bolton 1st Amendment Offered (House)
- 2026-03-03: Motion to Adopt - Adopted Roll Call 705 (House)
- 2026-03-03: Motion to Read a Third Time and Pass as Amended - Adopted Roll Call 706 (House)
- 2026-03-03: Engrossed (House)
- 2026-03-03: Read for the first time and referred to the Senate Committee on Banking and Insurance (Senate)
- 2026-03-03: Pending Committee Action in Second House (Senate)
- 2026-02-25: Financial Services 1st Substitute (House)
- 2026-02-25: Reported Out of Committee House of Origin (House)
- 2026-02-25: Read for the Second Time and placed on the Calendar (House)
- 2026-01-13: Read for the first time and referred to the House Committee on Financial Services (House)
- 2026-01-13: Pending Committee Action in House of Origin (House)

## Bill text

- As Introduced: [PDF](https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB55-int.pdf)
- Engrossed: [PDF](https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB55-eng.pdf)
- Enrolled: [PDF](https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB55-enr.pdf)

## Related bills

- HB67: Voter Information; limit cost of reproducing voter registration list; crime for misuse of personal voter information; created (enacted)
- SB154: State employees, cost-of-living increase for fiscal year beginning October 1, 2026 (enacted)
- SB165: Elections; municipal elections, to set qualification fee amounts, to require indigent candidates to submit documentation for fee exemption (enacted)
- HB317: Firefighter distinctive license plate; fire chaplains included, penalty for violations provided for (enacted)
- SB272: Open Records; use of public records relating to schools for certain solicitation purposes prohibited; redaction of certain information relating to financial tr… (enacted)
- SB190: Sales Tax; to exempt Precision Ocular (enacted)

## Sources
- [As Introduced (PDF)](https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB55-int.pdf)
- [Engrossed (PDF)](https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB55-eng.pdf)
- [Enrolled (PDF)](https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB55-enr.pdf)

## Related
- [HB67: Voter Information; limit cost of reproducing voter registration list; crime for…](https://policyrisk.com/state-bill/AL-HB67-2026rs)
- [SB154: State employees, cost-of-living increase for fiscal year beginning October 1, 2…](https://policyrisk.com/state-bill/AL-SB154-2026rs)
- [SB165: Elections; municipal elections, to set qualification fee amounts, to require in…](https://policyrisk.com/state-bill/AL-SB165-2026rs)
- [HB317: Firefighter distinctive license plate; fire chaplains included, penalty for vio…](https://policyrisk.com/state-bill/AL-HB317-2026rs)
- [SB272: Open Records; use of public records relating to schools for certain solicitatio…](https://policyrisk.com/state-bill/AL-SB272-2026rs)
- [SB190: Sales Tax; to exempt Precision Ocular](https://policyrisk.com/state-bill/AL-SB190-2026rs)
- [Alabama bills](https://policyrisk.com/states/alabama/bills)
- [Alabama state hub](https://policyrisk.com/states/alabama)
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Source: PRIA, https://policyrisk.com/state-bill/AL-HB55-2026rs (as of 2026-10-16).