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AlabamaHB962026 Regular SessionHouseWALLET

Debtors homestead exemption; in bankruptcy cases; increase homestead exemption for seniors and disabled

Sponsored By: Chris Pringle (Republican)

Enacted

Civil Procedure

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Alabama homeowners gain stronger debt protection

Beginning June 1, 2026, Alabama residents age 62 or older or with a qualifying disability can protect $56,400 in home equity from debt collection. Other residents keep the $15,000 exemption. Protection covers the principal home and related property up to 160 acres while the resident lives there during their lifetime. A mobile home used as the principal residence also qualifies. Disability must meet the law's definition. Proof can include a disability determination from the military, a state or federal agency, a private insurer, or a workers' compensation settlement. Records showing receipt of disability benefits also qualify. Another option is sworn statements from two Alabama-licensed doctors, including one actively treating the resident, using the Department of Revenue's form. In bankruptcy, the filing date determines which Alabama law sets the amount of homestead and other exemptions. Outside bankruptcy, exemption rights and remedies follow the law in effect when the debt was created.

Sponsors & Cosponsors

Sponsor

  • Chris Pringle

    Republican • House

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 256 • No: 0

Senate vote • 2/26/2026

Third Reading in Second House

Yes: 33 • No: 0

Senate vote • 2/26/2026

Motion to Read a Third Time and Pass - Adopted Roll Call 650

Yes: 33 • No: 0

House vote • 1/20/2026

Motion to Read a Third Time and Pass - Adopted Roll Call 45

Yes: 96 • No: 0 • Other: 7

House vote • 1/20/2026

Third Reading in House of Origin

Yes: 94 • No: 0 • Other: 4

Actions Timeline

  1. Enacted

    3/5/2026House

  2. Third Reading in Second House

    2/26/2026Senate

  3. Motion to Read a Third Time and Pass - Adopted Roll Call 650

    2/26/2026Senate

  4. Ready to Enroll

    2/26/2026House

  5. Enrolled

    2/26/2026House

  6. Signature Requested

    2/26/2026Senate

  7. Delivered to Governor

    2/26/2026House

  8. Reported Out of Committee Second House

    2/25/2026Senate

  9. Read for the Second Time and placed on the Calendar

    2/25/2026Senate

  10. Third Reading in House of Origin

    1/20/2026House

  11. Motion to Read a Third Time and Pass - Adopted Roll Call 45

    1/20/2026House

  12. Read for the first time and referred to the Senate Committee on Finance and Taxation Education

    1/20/2026Senate

  13. Pending Committee Action in Second House

    1/20/2026Senate

  14. Reported Out of Committee House of Origin

    1/14/2026House

  15. Read for the Second Time and placed on the Calendar

    1/14/2026House

  16. Read for the first time and referred to the House Committee on Ways and Means Education

    1/13/2026House

  17. Pending Committee Action in House of Origin

    1/13/2026House

Bill Text

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