# Colorado HB26-1089: Uniform Mortgage Modification Act

Colorado HB26-1089, Uniform Mortgage Modification Act, is a 2026 Regular Session House bill sponsored by Cecelia Espenoza (Democratic), Marc Snyder (Democratic); status signed, last action 2026-03-02 (House Second Reading Special Order - Laid Over Daily - No Amendments) (as of 2026-10-19).

- Canonical: https://policyrisk.com/state-bill/CO-HB26-1089-2026A
- As of: 2026-10-19
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Colorado HB26-1089
- State: Colorado
- Session: 2026 Regular Session
- Title: Uniform Mortgage Modification Act
- Status: signed
- Chamber: House
- Introduced: 2026-02-02
- Last action: 2026-03-02, House Second Reading Special Order - Laid Over Daily - No Amendments
- Sponsors: Cecelia Espenoza (Democratic), Marc Snyder (Democratic)
- Cosponsors: 9
- Subjects: Financial Services & Commerce, Housing
- Touches household money: no
- Roll calls: 4 (114 yes, 1 no in all)
- Economic provisions PRIA read: 1

## Summary

No summary available.

## Bill overview: provisions PRIA read

- Homeowners get clearer rules for mortgage changes: benefit, low. Colorado’s law keeps covered mortgage changes from ending the lender’s claim against the property or changing its priority. The mortgage secures the changed debt, even without recording the change, and the change does not replace the original obligation. Covered changes include longer loan terms, l…

## Sponsors and cosponsors

- Sponsor: Cecelia Espenoza (Democratic), House
- Sponsor: Marc Snyder (Democratic), Senate
- Cosponsor: Jennifer Bacon (Democratic), House
- Cosponsor: Michael Carter (Democratic), House
- Cosponsor: Monica Duran (Democratic), House
- Cosponsor: Iman Jodeh (Democratic), Senate
- Cosponsor: John Carson (Republican), Senate
- Cosponsor: James Coleman (Democratic), Senate
- Cosponsor: Katie Wallace (Democratic), Senate
- Cosponsor: Mike Weissman (Democratic), Senate
- Cosponsor: Tony Exum (Democratic), Senate

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2026-03-31 | Senate | Third reading: Bill | pass | 35 | 0 |   |
| 2026-03-25 | Senate | Refer House Bill 26-1089 to the Committee of the Whole and with a recommendation that it be placed on the consent calendar. | pass | 6 | 0 |   |
| 2026-03-11 | House | Third reading: Bill | pass | 63 | 1 |   |
| 2026-02-25 | House | Refer House Bill 26-1089, as amended, to the Committee of the Whole. | pass | 10 | 0 |   |

## Actions (15)

- 2026-04-27: Governor Signed (House)
- 2026-04-16: Signed by the Speaker of the House (House)
- 2026-04-16: Signed by the President of the Senate (Senate)
- 2026-04-16: Sent to the Governor (House)
- 2026-03-31: Senate Third Reading Passed - No Amendments (Senate)
- 2026-03-30: Senate Second Reading Passed - No Amendments (Senate)
- 2026-03-25: Senate Committee on Judiciary Refer Unamended - Consent Calendar to Senate Committee of the Whole (Senate)
- 2026-03-16: Introduced In Senate - Assigned to Judiciary (Senate)
- 2026-03-11: House Third Reading Passed - No Amendments (House)
- 2026-03-10: House Second Reading Special Order - Passed with Amendments - Committee (House)
- 2026-03-10: House Second Reading Passed with Amendments - Committee (House)
- 2026-03-02: House Second Reading Laid Over Daily - No Amendments (House)
- 2026-03-02: House Second Reading Special Order - Laid Over Daily - No Amendments (House)
- 2026-02-25: House Committee on Judiciary Refer Amended to House Committee of the Whole (House)
- 2026-02-02: Introduced In House - Assigned to Judiciary (House)

## Bill text

- Engrossed: [PDF](https://leg.colorado.gov/bill_files/113131/download)
- Final Act: [PDF](https://leg.colorado.gov/bill_files/114465/download)
- House Judiciary Preamend: [PDF](https://leg.colorado.gov/bill_files/112703/download)
- Introduced: [PDF](https://leg.colorado.gov/bill_files/111134/download)
- Reengrossed: [PDF](https://leg.colorado.gov/bill_files/113147/download)
- Rerevised: [PDF](https://leg.colorado.gov/bill_files/113886/download)
- Revised: [PDF](https://leg.colorado.gov/bill_files/113839/download)
- Signed Act: [PDF](https://leg.colorado.gov/bill_files/115301/download)

## Related bills

- HB26-1298: Background Checks for Child Welfare Placements (signed)
- HB26-1250: Procedures Related to Civil Asset Forfeiture (signed)
- HB26-1414: Medical Record Requests (signed)
- HB26-1430: Transportation Funding Adjustments (signed)
- SB26-155: Increase Access Homeowner's Insurance Enterprise (signed)
- HB26-1429: County Administration Public Assistance Programs (signed)

## Sources
- [Engrossed (PDF)](https://leg.colorado.gov/bill_files/113131/download)
- [Final Act (PDF)](https://leg.colorado.gov/bill_files/114465/download)
- [House Judiciary Preamend (PDF)](https://leg.colorado.gov/bill_files/112703/download)
- [Introduced (PDF)](https://leg.colorado.gov/bill_files/111134/download)
- [Reengrossed (PDF)](https://leg.colorado.gov/bill_files/113147/download)
- [Rerevised (PDF)](https://leg.colorado.gov/bill_files/113886/download)
- [Revised (PDF)](https://leg.colorado.gov/bill_files/113839/download)
- [Signed Act (PDF)](https://leg.colorado.gov/bill_files/115301/download)

## Related
- [HB26-1298: Background Checks for Child Welfare Placements](https://policyrisk.com/state-bill/CO-HB26-1298-2026A)
- [HB26-1250: Procedures Related to Civil Asset Forfeiture](https://policyrisk.com/state-bill/CO-HB26-1250-2026A)
- [HB26-1414: Medical Record Requests](https://policyrisk.com/state-bill/CO-HB26-1414-2026A)
- [HB26-1430: Transportation Funding Adjustments](https://policyrisk.com/state-bill/CO-HB26-1430-2026A)
- [SB26-155: Increase Access Homeowner's Insurance Enterprise](https://policyrisk.com/state-bill/CO-SB26-155-2026A)
- [HB26-1429: County Administration Public Assistance Programs](https://policyrisk.com/state-bill/CO-HB26-1429-2026A)
- [Colorado bills](https://policyrisk.com/states/colorado/bills)
- [Colorado state hub](https://policyrisk.com/states/colorado)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/CO-HB26-1089-2026A (as of 2026-10-19).