# Indiana SB 169: Reorganization of consumer lending laws. Indiana SB 169, Reorganization of consumer lending laws., is a Second Regular Session 124th General Assembly (2026) Senate bill sponsored by Scott Baldwin (Republican); status signed, last action 2026-03-05 (Public Law 115); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/IN-SB169-2026 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Indiana SB 169 - State: Indiana - Session: Second Regular Session 124th General Assembly (2026) - Title: Reorganization of consumer lending laws. - Status: signed - Chamber: Senate - Introduced: 2026-01-05 - Last action: 2026-03-05, Public Law 115 - Sponsor: Scott Baldwin (Republican) - Cosponsors: 2 - Subjects: insurance and financial institutions, the house, financial institutions - Touches household money: yes - Roll calls: 3 (182 yes, 2 no in all) - Economic provisions PRIA read: 161 ## Summary Repeals the statutes governing first lien mortgage lending, small loans, mortgage rescue protection fraud, and home loan practices and the Uniform Consumer Credit Code. Recodifies the repealed statutes in a new title of the Indiana Code concerning consumer lending (Title 37). Conforms the structure and organization of the recodified statutes to the requirements of the general assembly's drafting manual. Makes conforming changes to cross-references. ## Bill overview: provisions PRIA read - Borrowers can challenge unauthorized consumer loans: benefit, high. A consumer loan made without the legally required authority is void: the borrower owes neither principal nor finance charges. Borrowers can also recover payments already made from the violator or a qualifying assignee. Lawsuits involving revolving loans must start within two years after the violati… - Small-loan violations bring refunds and damages: benefit, high. Someone who breaks Indiana's small-loan law loses the right to collect or keep principal, interest, and other charges. The borrower can recover actual damages, $2,000 per violation, court costs, and attorney fees. These remedies do not apply when the violation results from an accident or a genuine… - Unauthorized consumer loans carry no repayment duty: benefit, high. A consumer loan is void when the creditor or its agent violates the law's authority-to-lend requirements. The borrower owes neither the principal nor the loan finance charge. - Homeowners get short-sale deadlines and debt relief: benefit, high. For covered residential mortgages at least 60 days delinquent, lenders or servicers must acknowledge qualifying written short-sale offers within five business days. They must accept or reject within 30 business days, with up to 15 extra business days after timely notice explaining why. Business-day… - Borrowers can recover unlawful credit charges: benefit, medium. Borrowers do not owe charges above the legal limit and can recover excess payments, including through a debt credit. Refusing a refund after demand can bring a court penalty up to the greater of the finance charge or 10 times the overcharge. A deliberate or reckless overcharge can bring a penalty e… - Borrowers get collateral and repossession protections: benefit, medium. Lenders cannot take land as security for supervised loans of $4,000 or less; an unlawful land claim is void. For consumer sales priced at $4,000 or less, repossession or accepted surrender ends the buyer's personal liability for the remaining sale debt. That sale-price threshold adjusts using the O… - Borrowers get protections against unfair lending: benefit, medium. Covered lenders cannot deceive borrowers, advertise unavailable terms, charge prohibited fees, or skip required disclosures. The law also bans mishandling loan funds, false accounting, hiding examination records, and improper influence over mortgage appraisals. Lenders cannot require property insur… - Borrowers get repayment schedule safeguards: benefit, medium. Non-revolving supervised loans of $4,000 or less require one payment or substantially equal payments at regular intervals, allowing income-based seasonal adjustments. Terms cannot exceed 25 months for loans of $300 or less, or 37 months for larger covered loans. At its due date, you can refinance a… - Borrowers get unused insurance money back: benefit, medium. Full payoff requires prompt refunds of unused property insurance premiums when the creditor or credit account is a beneficiary. Borrowers or their estates also receive specified insurance-charge refunds when credit insurance proceeds fully prepay the debt. Creditors must keep refund records and pro… - Caps on borrowers' upfront loan fees: benefit, medium. Nonrefundable prepaid finance charges on land-secured consumer loans cannot exceed 3% of the loan or revolving credit line. For unsecured loans, the cap is $50 for agreements before July 1, 2020; later agreements allow $75 through $2,000, $150 above $2,000 through $4,000, and $200 above $4,000. The… - Credit buyers get annual charge caps: benefit, medium. For non-revolving consumer-related sales, the yearly credit charge cannot exceed 25%, calculated actuarially on unpaid financed balances. Revolving charge accounts follow a separate charge rule, not this cap. Businesses making consumer-related sales are exempt from IC 37-2-7-24 through 26. - Credit disclosure errors can bring compensation: benefit, medium. For covered disclosure violations, an individual can recover twice the credit charge, with a $100 minimum and $1,000 maximum. Class-action awards cannot exceed the lesser of $500,000 or 1% of the creditor's net worth. Successful borrowers can also recover court costs and reasonable attorney fees, g… - Higher-rate borrowers gain loan-term remedies: benefit, medium. Consumer loans with annual finance-charge rates above 25% are classified as supervised loans. When a creditor breaks covered payment-schedule or loan-term limits, the borrower does not owe the finance charge. A court can also award up to three times that charge against the violator or a qualifying… - Indiana borrowers keep key contract protections: benefit, medium. Indiana rules cover credit sales, leases, loans, and changes made in Indiana, plus qualifying deals solicited from Indiana residents. The solicitation rule excludes deals secured by out-of-state land or signed at a creditor's out-of-state business. Covered contracts generally cannot select another… - Limits on consumer loan interest charges: benefit, medium. For consumer loans other than supervised loans, annual finance charges cannot exceed 25%, measured on unpaid principal using the actuarial method. Agreements after June 30, 2020, must calculate charges on unpaid principal; older agreements can use other methods within the cap. Lenders cannot enter… - Loan checks carry warnings and protections: benefit, medium. Loan offers using checks or similar instruments that activate a new loan must carry a clear warning in at least 10-point type. It must say: “This is a solicitation for a loan. Read the enclosed disclosures before signing this agreement.” You do not owe the loan when someone steals or wrongly receiv… - Rate limits for consumer credit borrowers: benefit, medium. Supervised loans and credit sales agreed to after June 30, 2020, share a two-part annual charge ceiling. The ceiling is the greater of 25% on the full unpaid balance or tiered rates: 36% through $2,000, 21% above $2,000 through $4,000, and 15% above $4,000. The tier thresholds are subject to inflat… - Repeat small-loan borrowers get payment plans: benefit, medium. After an initial small loan and three consecutive small loans, the lender must offer an extended payment plan. Borrowers can request it during the loan term after the cancellation period ends, provided they have not defaulted. The written plan must provide at least four equal payments over at least… - Small-loan borrowers get collection safeguards: benefit, medium. After default, lenders and loan buyers can seek only principal, finance charges, an authorized insufficient-funds fee, and court-awarded interest and costs. They cannot seek attorney fees, triple damages, interest before judgment, or other remedies; contracts must explain this in bold, 14-point typ… - Threat-backed debts cannot reach civil court: benefit, medium. A creditor cannot use civil court to collect credit tied to an understood threat of violence or other criminal harm. Both sides must have understood that risk when the credit was extended. An actuarial annual rate above 45%, combined with the creditor's reputation for such collection methods, is in… - Workers keep wages protected from creditors: benefit, medium. Creditors cannot seize unpaid earnings through garnishment or similar proceedings before a judgment. After judgment, total ordinary garnishment is limited to the lesser of 25% of weekly disposable earnings or earnings above 30 times the federal minimum hourly wage. A court can lower the 25% limit f… - Borrowers can challenge later mortgage holders: benefit, medium. Individual borrowers can raise high-cost loan claims and defenses against later holders, except those under IC 37-5-3-7. A holder avoids this rule by proving ordinary due diligence could not identify the loan as high-cost. A claim under IC 37-5-4-2 has a three-year deadline after closing and requir… - Fewer fees on high-cost home loans: benefit, medium. High-cost home lenders cannot finance life or health insurance, directly or indirectly. They cannot charge fees to modify, renew, extend, amend, or defer payments on these loans. Lenders cannot knowingly or intentionally charge points or fees on proceeds refinancing another high-cost home loan with… - Foreclosure rescue buyers must protect homeowners: benefit, medium. Before a foreclosure reconveyance deal, purchasers must verify the homeowner can afford repayment, including lease payments and repurchase when applicable. Ability to pay is presumed when housing expenses and regular payments on other personal debt total no more than 60% of gross monthly income. Re… - High-cost borrowers get checks and notices: benefit, medium. Lenders must consider a borrower's ability to repay before making a high-cost home loan. Commercially reasonable debt-to-income practices, including specified Veterans Affairs standards, create a presumption of compliance that can be challenged; stated income is presumed complete and true. Lenders… - High-cost mortgage borrowers get foreclosure safeguards: benefit, medium. High-cost mortgage borrowers or authorized representatives may cure default after a lender demands full payment, but before property title transfers. They must provide the payment or performance required by the security document. A cure restores original loan terms and cancels the default-based dem… - Homeowners can recover lending violation damages: benefit, medium. Covered home-loan violations carry actual damages, including consequential losses without proof of reliance, plus costs and reasonable attorney fees. Statutory damages equal twice agreed finance charges, except for violations of IC 37-5-3-7(c)(4), (5), or (6). Claims generally have a five-year disc… - Homeowners get foreclosure rescue safeguards: benefit, medium. Foreclosure consultants must provide written rights notices, contracts, cancellation notices, and advance disclosure of payments from third parties. They generally cannot collect before completing promised services, subject to the law's security requirements. Loans they make to homeowners cannot ca… - Homeowners keep court and foreclosure defenses: benefit, medium. High-cost home-loan terms cannot require arbitration or a forum less convenient, more costly, or slower than an available Indiana court. Terms limiting borrower claims or defenses are also void. An individual facing home-loan foreclosure can assert a federal Truth in Lending cancellation right as a… - Homeowners protected from false mortgage claims: benefit, medium. The law bans deceptive acts in mortgage and real estate transactions. People cannot make false claims about transaction terms, sponsorship, or property features and benefits when they know or reasonably should know they are false. Foreclosure consultants also cannot tell homeowners they have govern… - Late mortgage borrowers get short-sale deadlines: benefit, medium. For first mortgages at least 60 days delinquent, lenders or servicers must acknowledge qualifying written short-sale offers within five business days. Offers must meet federal qualified-written-request standards; third-party offers need the borrower's written authorization for acknowledgment. Accep… - Limits on early mortgage payoff penalties: benefit, medium. Creditors cannot contract for or charge prepayment penalties on covered variable-rate home loans closed after June 30, 2009. This also covers refinancing and consolidation when the rate can change during the loan term. For covered high-cost home loans, penalties during the first 24 months cannot ex… - Limits on financed home loan extras: benefit, medium. Creditors cannot finance credit life, disability, unemployment, or property insurance, or debt cancellation or suspension agreements, into covered home loans. Premiums and fees calculated and paid monthly are not treated as financed costs. High-cost home loans also cannot finance points or fees, di… - Mortgage borrowers gain consumer-credit legal protections: benefit, medium. First-lien mortgages fall under the chapter's consumer-credit rules when they otherwise qualify as consumer credit sales. Mortgages otherwise qualifying as consumer loans or credit sales also receive specified disclosure remedies and cancellation rights. Violating applicable state or federal first-… - Protection against replacing subsidized home loans: benefit, medium. Creditors cannot knowingly or intentionally replace a qualifying government or nonprofit subsidized loan with a high-cost home loan during its first 10 years. The restriction also covers combining that loan with other debt. The original rate must be at least 2 percentage points below the comparable… - Safeguards for homeowners refinancing and paying: benefit, medium. Creditors cannot encourage borrowers to default on existing debt before and as part of a home-loan refinancing closing. Home-loan contracts cannot let creditors demand full repayment at their sole discretion without a material reason. Good-faith demands remain allowed when borrowers break important… - Safer payments for high-cost mortgage borrowers: benefit, medium. High-cost home loans generally cannot require payments above twice the average of earlier monthly payments. Exceptions cover payments due after at least 120 months, schedules reflecting seasonal or irregular income, and qualifying bridge loans for an intended principal home. Regular payments cannot… - Job protections for workers facing garnishment: benefit, medium. Employers cannot fire workers because creditors garnish, or try to garnish, their unpaid earnings to pay judgments. The garnishment or similar proceeding must be directed to the employer. Workers fired in violation of this protection can sue within six months for reinstatement and lost wages. Wage… - Borrowers and buyers get default-charge limits: benefit, low. Consumer loan agreements cannot impose default charges unless the law allows them, except reasonable expenses to enforce a security interest. For consumer-related loans and sales, permitted charges include reasonable attorney fees, security-enforcement expenses, and charges allowed for the correspo… - Borrowers can recover disguised overcharges: benefit, low. The state financial regulator may correct charges and require refunds when sellers or lenders use accounting methods to evade legal limits. The regulator must make a written finding and deliver it to every transaction party. The finding is subject to administrative review. - Borrowers get disclosures and funding rules: benefit, low. Lenders must give required federal credit disclosures for covered consumer loans, including qualifying first-lien mortgages, unless federally exempt. Both parties can sign a written agreement applying consumer-loan protections to a loan otherwise outside those rules. For transactions with cancellat… - Borrowers get faster itemized payoff statements: benefit, low. Covered credit-sale creditors and servicers must provide dated, accurate, itemized payoff statements within seven business days of written requests. The deadline excludes weekends and legal public holidays. Missing the first deadline creates $100 liability; missing a second-request deadline creates… - Borrowers get insurance choice and charge limits: benefit, low. Separate insurance charges generally cannot exceed the insurer's premium, calculated when charged and consistent with required rate filings. Revolving accounts can use specified balance or benefit measures with the current premium rate. When insurance is required, you can offer an existing or indep… - Borrowers get loan insurance coverage safeguards: benefit, low. Creditors must send agreed insurance policies or certificates within 30 days after coverage starts, or promptly report a delay or failure. Consumer credit insurance generally starts by the later of the debt obligation or coverage application and lasts through final scheduled payment. Later starts a… - Borrowers get notice before insurance cancellation: benefit, low. A creditor can request cancellation of your property or liability insurance only after default or under your written authorization. Written notice must come before cancellation takes effect. Cancellation must wait at least 10 days after notice is delivered, or 13 days after it is mailed. - Borrowers get payment crediting and routing protections: benefit, low. Credit-sale payments count when received unless delay adds no charge; accepted payments missing written requirements must count within five days. Charges caused by late crediting must be reversed in the next payment period; home-loan payments count on the business day received. Buyers and lessees m… - Borrowers get payment handling protections: benefit, low. You can keep paying your original lender until a notice identifies the transferred payment rights and the new payee. If you request proof and it is not provided promptly, you can continue paying the original lender. Creditors generally must credit payments on receipt, unless delay causes no added c… - Borrowers get protections in credit lawsuits: benefit, low. Courts can reject or limit credit agreements or terms found grossly unfair when made, after allowing evidence about their context. A charge or practice expressly allowed by this law is not grossly unfair by itself. Courts may award your reasonable attorney fees after finding that a creditor violate… - Borrowers get timely loan payoff statements: benefit, low. Creditors and mortgage servicers must provide an accurate, dated, itemized payoff statement within seven business days of your written request. Weekends and legal public holidays do not count. Missing the first deadline creates $100 liability. After that failure, missing a second request's seven-bu… - Borrowers keep wage and court protections: benefit, low. Lenders cannot take an assignment of your earnings to pay or secure a consumer loan or other debt. Prohibited assignments are unenforceable and revocable; lawful, employee-authorized wage deductions remain allowed when revocable. Selling unpaid earnings for money counts as a loan secured by an earn… - Buyers get credit disclosures and cancellation protections: benefit, low. The credit-sales chapter covers consumer credit sales, including home solicitation sales, and consumer leases. Different sections also cover consumer-related sales. Sellers and lessors must give required federal disclosures, including for covered first-lien land sales; federal exemptions still appl… - Buyers protected from credit sales tricks: benefit, low. Sellers cannot intentionally use multiple agreements to exceed credit charge limits or avoid annual percentage rate disclosures. Excess charges remain subject to the law's enforcement rules. Sellers and lessors cannot offer referral rewards that depend on an event after the consumer agrees to the d… - Charge limits for older credit purchases: benefit, low. For precomputed credit sales, refinancing, or consolidation entered before July 1, 2020, written deferral agreements carry a charge cap. The cap is the lower of 36% yearly or the previously disclosed rate; an original written agreement can authorize unilateral deferral after payment is over 10 days… - Consumer late fees capped by schedule: benefit, low. Contract-authorized late fees generally apply only when a payment remains unpaid in full more than 10 days after its due date. Transactions before July 1, 2019, have a $5 cap subject to statutory adjustment, which the contract must disclose. For later transactions, fixed caps are $5 for payment int… - Consumer lease-end bills face a cap: benefit, low. Covered obligations when a consumer lease expires cannot exceed three times the average monthly lease payment. Damage charges and other default charges fall outside this cap and remain separately chargeable when authorized. - Consumers keep protections when collection starts: benefit, low. Sellers and lessors cannot take assignments of consumers' earnings; prohibited assignments are unenforceable and revocable. Lawful, revocable payroll deduction authorizations remain allowed. Credit-sale default charges must be authorized by the article, except reasonable expenses to enforce a secur… - Credit buyers can refinance oversized payments: benefit, low. Credit-sale buyers may refinance a payment when due without penalty if it exceeds twice the average of earlier scheduled payments. Refinancing terms cannot be less favorable than the original sale. This right excludes revolving accounts, sales requiring only credit-charge payments before the final… - Payoff rebates protect eligible loan borrowers: benefit, low. Full payoff of a precomputed consumer loan, refinancing, or consolidation agreed before July 1, 2020 generally requires a rebate of unearned finance charges. No rebate is required below $1; the law sets a periodic-balance formula and adjustments for irregular payment schedules. For loans lasting mo… - Small-loan borrowers get charge limits: benefit, low. Small-loan charges are capped at 15% of the first $250, 13% above $250 through $400, and 10% above $400 through $550. The $550 limit is adjusted using the October 2006 reference index. A dishonored check, transfer, or debit authorization carries at most one $25 fee, even after repeated collection a… - Small-loan borrowers get warnings and records: benefit, low. Small-loan lenders must provide federal credit disclosures and display the required warning in lending areas and loan documents. At signing, borrowers receive a state-approved pamphlet about counseling services and their rights and duties. Lenders must provide required documents before releasing fu… - Small-loan lenders check balances and identity: benefit, low. Small-loan lenders must check their records and an available outside database for borrowers' outstanding loans and balances. They must update check-presentment, dishonor, and partial-payment records, plus bankruptcy discharges supported by borrower evidence. The financial institutions department mu… - Wage-access users avoid late-payment penalties: benefit, low. Earned wage access providers required to be licensed cannot add late fees, deferral fees, interest, or penalties for nonpayment. They cannot collect through unsolicited outbound calls, consumer lawsuits, third-party collectors, or sales to debt buyers. The collection limits do not cover amounts obt… - Workers get clearer wage-access tip rules: benefit, low. Earned wage access providers required to be licensed cannot mislead consumers about whether tips or donations are voluntary. They cannot suggest a default contribution above $0 or claim contributions benefit specific people. Providers also cannot share consumer fees, tips, gratuities, or donations… - Homeowners can request foreclosure counselor contacts: benefit, low. The Indiana Housing and Community Development Authority must maintain a directory of qualifying nonprofit counselors. Homeowners can request their names and phone numbers. Listed groups must advise homeowners facing foreclosure or loan default. They cannot contract for services with for-profit lend… - Homeowners gain safeguards for contractor payments: benefit, low. Before paying a contractor from a high-cost home loan, the lender must receive signed, dated certification that improvements are complete. Payment must be payable to the borrower or jointly to the borrower and contractor. The borrower can instead choose a third-party escrow. That option requires a… - Homeowners get loan notices and safeguards: benefit, low. Before making high-cost home loans, creditors must give written warnings by the deadline in 12 CFR 226.31(c). Notices cover comparing costs, foreclosure risk, independent advice, taxes, insurance, and existing debt payments. Mortgages or deeds securing zero-interest or subsidized low-rate loans, ex… - Land-contract buyers get title burden notices: benefit, low. In covered land-contract sales, sellers must disclose liens or other burdens affecting the property's title. Notice must arrive by certified mail with a return receipt requested. Existing burdens must be disclosed no later than contract signing. Sellers must disclose later burdens within 10 busines… - Mortgage borrowers get early-payoff fee protections: benefit, low. Creditors cannot charge prepayment penalties on variable-rate first-lien mortgages, refinancings, or consolidations closed after June 30, 2009. For high-cost home loans, a lender cannot include a prepayment penalty without offering a no-penalty loan option. The written offer must use large bold lab… - Mortgage borrowers get payoff and refund remedies: benefit, low. First-mortgage creditors and servicers must provide accurate, written, itemized payoff amounts within seven business days of a written request. Saturdays, Sundays, and legal public holidays do not count. Missing the first deadline creates $100 liability to the borrower. After both a first and secon… - Mortgage customers get licensing safeguards: benefit, low. People cannot handle or solicit real estate or mortgage transactions without a license or permit already required by law. Licensing rules also apply to consumer credit sales secured by a second or other lower-priority mortgage lien. People working only as processors or underwriters cannot claim pub… - No mortgage interest during cancellation period: benefit, low. For first-lien mortgages with a federal cancellation right, creditors cannot accrue interest during the cancellation period. Violating that federal right also violates the state article. Creditors must make proceeds available on the later of two dates: when reasonably satisfied the borrower did not… - Attorney general can enforce lending protections: benefit, low. The Indiana attorney general and Homeowner Protection Unit enforce the consumer lending law. The attorney general can seek repayment to consumers, investigation and prosecution costs, and orders stopping violations. Civil penalties reach $10,000 per violation, including each violation of a court or… - Creditor managers face bans and fines: benefit, low. State regulators can remove or bar creditor leaders for covered violations, fraud, unconscionable conduct, or felony convictions when the statutory grounds exist. Temporary suspension or participation bans can protect creditors or customers while proceedings continue. Final orders can fine officers… - Intentional lending violations carry criminal penalties: benefit, low. Knowingly or intentionally breaking the consumer lending law is a Class A misdemeanor. The attorney general can also pursue violations under Indiana's deceptive sales law and seek its penalties. That civil authority excludes the specified IC 37-5-3-7(c)(4) violation by a person required to hold a s… - Penalties back borrower and homeowner protections: benefit, low. Knowingly overcharging borrowers or making consumer loans without a required license is a Class A misdemeanor. Knowingly giving false information or omitting required credit disclosures also carries that charge. Covered credit businesses and debt buyers commit a Class A infraction by knowingly coll… - Regulators can discipline lenders for misconduct: benefit, low. Indiana's Department of Financial Institutions can suspend or revoke consumer-lending and first-lien mortgage licenses for listed misconduct or qualification failures. Grounds include repeated willful violations, material dishonesty, improper licensing for another person, and facts supporting licen… - State can pursue abusive credit practices: benefit, low. Indiana's financial institutions department can require refunds for contract-term overcharges on credit sales, leases, or loans and enforce prepayment-penalty rules. It can seek court orders stopping knowing or intentional material deception in first-lien mortgages. It can also challenge grossly un… - State can stop lender violations: benefit, low. After notice and a hearing, the Department of Financial Institutions can order creditors and their agents to stop violations; court review is available. For unfair agreements or fraudulent or unfair conduct covered by the exception, it must instead seek a court order. The department can also sue ov… - Stronger oversight protects consumer loan borrowers: benefit, low. Indiana's financial regulator can hire experts, share regulatory resources, rely on outside reports, and monitor individual small-loan transactions with technology. It can apply consumer-credit rules to disguised credit through a written decision delivered to all parties, with administrative review… - Lenders can use machines and storefronts: benefit, low. Licensed consumer lenders can offer loans through offsite unmanned machines after giving the state written notice of their locations. They must keep transaction records at an approved location and post its address and a contact phone number. Consumer and small-loan lenders can conduct other busines… - State can offer consumer credit education: benefit, low. Indiana's Department of Financial Institutions can create programs teaching consumers about credit practices and problems. The law does not require a program or set funding or a start date. - Mortgage recording fees fund homeowner protection: benefit, low. Each recorded mortgage sends $1.25 of its recording fee to Indiana's homeowner protection unit account. Another $1.25 goes to the state general fund, for a total allocation of $2.50. County auditors send the money to the state comptroller by June 20 and December 20. The comptroller distributes it b… - Consumer leases for live animals banned: cost, low. Lessors cannot offer consumer leases under this chapter for live domestic animals covered by the law's definition. This removes that leasing option for consumers. - Defaulting borrowers can owe attorney fees: cost, low. A consumer loan agreement can require you to pay reasonable attorney fees after default. The lender must refer the matter to an attorney who is not its salaried employee. Agreement terms that conflict with these limits are unenforceable. - Early loan payoff can leave charges: cost, low. Paying off a consumer loan does not erase legally authorized late charges. For non-revolving loans, lenders may contract for a minimum finance charge of up to $30, subject to inflation adjustments. That minimum applies when full early payoff occurs before earned finance charges reach it. Lenders ca… - Following state guidance shields lenders: cost, low. People and businesses face no liability under the covered lending articles for conduct that follows Department of Financial Institutions rules or written guidance. This includes written notices, opinions, interpretations, and directives. The protection remains even if the guidance later changes, is… - Some buyers can agree to uncapped charges: cost, low. For sales outside both the consumer credit sale and consumer-related sale categories, buyers and sellers can agree to any credit service charge. This provision sets no numeric cap on that charge. - Some charges remain after early payoff: cost, low. After full payoff of a non-revolving consumer loan, refinancing, or consolidation, lenders can retain or collect a permitted contracted minimum finance charge. This applies when the earned charge is lower, and cannot exceed the total finance charge in the contract. An earned but unpaid deferral cha… - Workers can owe wage deduction fees: cost, low. Employers may charge once per non-child-support judgment garnishment or related series: the greater of $12 or 3% of total required deductions. The worker and creditor each pay half, collected upfront or over the deduction period. For child-support judgments, employers may instead take $2 from dispo… - Foreclosure rescue protections exclude listed providers: cost, low. The mortgage rescue article excludes listed banks, trust companies, savings institutions, credit unions, and industrial loan and investment companies. It also excludes Fannie Mae, Freddie Mac, Federal Home Loan Banks, federal and Indiana agencies, and Indiana-licensed attorneys representing borrowe… - Foreclosure rule leaves remaining debt exposed: cost, low. The specified section does not protect owners from a judgment for mortgage debt remaining after foreclosure. This limit applies when the property is subject to process under a foreclosure judgment or decree. It does not itself decide whether a creditor receives such a judgment. - Foreclosure rules leave unpaid-debt judgments possible: cost, low. The referenced mortgage section does not give homeowners a defense against deficiency judgments for the specified federal closing-disclosure rules. A deficiency judgment covers debt left after foreclosure. This provision does not set the amount owed. - Land-secured borrowers can face document fees: cost, low. For consumer loans secured by land, lenders can charge fees for preparing deeds, mortgages, reconveyances, and similar documents. These fees are allowed in addition to the permitted nonrefundable prepaid finance charge. This provision does not set a dollar limit for document preparation. - Credit businesses face reporting deadlines: cost, low. Covered credit sellers, lessors, lenders, debt buyers, direct collectors, and credit insurers must notify the department within 30 days of starting business. Annual filings are due December 31 for licensed businesses and January 31 for other covered businesses. Specified business, leadership, branc… - Credit businesses pay balance-based filing fees: cost, low. Covered sellers, lessors, and lenders pay notification fees based on specified unpaid balances for obligations held longer than 30 days. The director sets fees for each $100,000, or part, above $100,000; the rate is not stated here. Related rules charge fees on assigned debts and qualifying closed-… - Lending businesses must update their materials: cost, low. Beginning July 1, 2026, a transition rule covers people and businesses subject to the repealed lending laws. They have until July 1, 2027, to update documents, websites, and business communications for the reorganized law. The transition provision expires June 30, 2028. - Lending reviews carry costs and deadlines: cost, low. Covered people and businesses must pay the department's reasonable investigation or examination costs under its fee schedule. Payment is due within 60 days after notice. A daily late fee can begin after that period. For reviews under sections 24 through 26, payment covers only costs above the most… - Nonconsumer borrowers can agree to uncapped charges: cost, low. For loans that are neither consumer loans nor consumer-related loans, parties can agree to any loan finance charge. This provision sets no rate cap or specific dollar charge. It does not apply to loans in either consumer category. - Optional vehicle debt coverage gets safeguards: mixed, medium. Sellers cannot require guaranteed asset protection, or GAP, and must obtain a signed or initialed request after written disclosures. Agreements include a $500 minimum deductible and a 30-day free-look period. When the charge exceeds $400, cancellation before full prepayment brings an unearned-charg… - Small-loan borrowers face debt limits: mixed, medium. A proposed small loan's principal and finance charges, plus outstanding small-loan balances from all lenders, cannot exceed 20% of monthly gross income. Borrowers cannot hold more than one small-loan agreement with the same lender. A new loan cannot push combined principal balances above the $550 b… - Support withholding has higher wage limits: mixed, medium. Combined support withholding and garnishment cannot exceed 50% of weekly disposable earnings when the worker supports another spouse or dependent child. The limit is 60% without that other supported spouse or child. For support owed for periods before the 12-week window ending with the workweek, th… - Which borrowers get consumer loan protections: mixed, medium. First-lien mortgages generally fall outside the consumer-loan chapter unless an agreement brings them under it. Disclosure, borrower remedies, payoff, property-tax information, and specified enforcement rules still apply. Consumer-related loans receive additional consumer-lending protections, but t… - Homeowners can cancel foreclosure rescue deals: mixed, medium. Homeowners can cancel foreclosure-consultant contracts before midnight of the seventh business day after signing. For foreclosure reconveyance agreements, the seven-business-day period starts when the property interest transfers. Consultant cancellation notices must be written and sent by mail or t… - Mortgage protections reach some loans, exclude others: mixed, medium. The law's mortgage transaction definition includes specified home loans, first-lien mortgages, residential credit sales, and qualifying reverse mortgages. Coverage depends on Indiana property, dwelling, occupancy, and lien rules; federal law limits coverage of business or investment loans. Separate… - Borrowers can refinance or combine balances: mixed, low. Borrowers and lenders can agree to refinance unpaid consumer loans or combine same-lender loans into one payment schedule. They can also combine consumer-loan and credit-sale balances, or move eligible balances and their refinancings or consolidations into revolving accounts. Applicable refinancing… - Borrowers choose optional loan protection products: mixed, low. Lenders may charge for specified insurance, but not insurance protecting the lender against borrower default or credit loss. Property and liability insurance disclosures must explain lender-provided costs and the right to choose another reasonably approved insurer. Credit insurance cannot affect ap… - Borrowers face capped late loan fees: mixed, low. For loans made before July 1, 2019, contracts can allow a $5 late fee after more than 10 days, subject to statutory adjustment. For later loans, the fixed cap is $5 for payments due every 14 days or less, or $25 every 15 days or more. The $25 cap also covers a single payment due at least 30 days af… - Borrowers face extra fees with limits: mixed, low. Sellers and lenders may collect specified extra charges, including official fees, taxes, qualifying insurance, and reasonable mortgage closing costs. Annual revolving-account fees must be reasonable and tied to account costs; unlisted benefit charges require state review. Consumer-loan returned-pay… - Borrowers get defined financed-balance calculations: mixed, low. The amount financed includes the cash price minus the down payment, trade-in lien payoffs, and permitted taxes and charges. Only deferred payments count, and specified taxes and fees cannot be counted again if already in the cash price. Loan principal includes net funds paid for the borrower, speci… - Borrowers get remedies, but debts remain: mixed, low. Creditors cannot accrue interest during a consumer loan's cancellation period under the federal rescission rule. Breaking that federal rule for a consumer loan or credit sale also violates Indiana's credit law. Borrowers entitled to refunds or penalties under sections 8 through 11 can apply them ag… - Borrowers move to reorganized lending laws: mixed, low. Beginning July 1, 2026, Indiana repeals its old First Lien Mortgage Lending law and Uniform Consumer Credit Code as part of consolidating lending laws. This reorganization does not itself mean all borrower protections end. Qualifying credit-union loans made under federal credit-union authority fall… - Buyers can refinance or combine balances: mixed, low. Buyers and sellers can agree to refinance unpaid balances, with credit charges subject to consumer credit sale rate limits. For non-precomputed transactions, the refinanced amount includes the unpaid balance and accrued charges. For precomputed transactions entered before July 1, 2020, it uses the… - Collateral upkeep can increase borrowers' debt: mixed, low. When a loan requires you to insure or preserve collateral, the lender can pay those costs on your behalf. The lender can add the advance to your debt and charge interest within legal limits. Within a reasonable time, the lender must send a written statement showing the advance, related charges, and… - Credit charge limits follow inflation rules: mixed, low. The law sets maximum charges for covered consumer credit and replaces some prior charge, loan-size, and duration limits. Exceptions apply to lessors, excluded persons, and specified credit unions, thrift institutions, and depository institutions. Designated dollar amounts adjust January 1 of odd-nu… - Credit insurance protections have coverage limits: mixed, low. The insurance chapter generally covers insurance tied to consumer credit sales, leases, and loans, supplementing Indiana's credit insurance act. Loans mainly financing insurance receive only the chapter's creditor-cancellation protection. The chapter's administrative-control, liability, and penalty… - Credit protections have thresholds and exclusions: mixed, low. Regular credit-provider status generally starts above 25 consumer-credit extensions, or above five home-secured mortgage transactions, in the prior calendar year. Providers below last year's threshold reach that status by making or intending to make more than the same threshold this year. Exclusion… - Debt-linked insurance has benefit and charge limits: mixed, low. Credit life insurance generally cannot initially exceed the debt; installment coverage cannot exceed the greater of scheduled or actual debt. Other credit insurance benefits are limited by scheduled unpaid installments and the original debt per installment. Exceptions allow benefits reasonably matc… - Early payoff rights have land-loan exceptions: mixed, low. You can generally repay a consumer loan, refinancing, or consolidation in full at any time without a penalty. For loans secured mainly by land, a contract can allow up to 2% on amounts prepaid within 60 days of full payoff, after refunds and rebates. No penalty applies to same-creditor refinancing… - Early payoff rights retain minimum charges: mixed, low. Buyers may fully prepay covered credit sales, refinancings, and consolidations without penalty, subject to rebate rules. Otherwise, credit charges are limited to the allowed amount for elapsed time, excluding specified prepaid charges on post-June 30, 2020 agreements. For non-revolving sales, selle… - High-cost mortgage payment histories reach credit files: mixed, low. High-cost home-loan servicers must report favorable and unfavorable payment history to a nationally recognized credit reporting agency each calendar quarter. The requirement does not apply when a lender holds or services the loan for less than 90 days. Borrowers and servicers may agree not to repor… - Higher upfront loan caps, excess-charge refunds: mixed, low. For supervised-loan agreements made after June 30, 2020, upfront nonrefundable finance charges have higher caps than the earlier $50 limit. The cap is $75 for loans up to $2,000. It is $150 for loans over $2,000 through $4,000, and $200 for loans over $4,000. Charges above these limits must be refu… - Insurance payoff dates limit credit charges: mixed, low. When credit insurance fully pays off a consumer credit sale, ordinary prepayment charge or rebate rules apply. This covers both precomputed and non-precomputed sales and applies to the buyer or the buyer's estate. The calculation uses the payment date, but no later than 10 business days after the s… - Limits and exceptions for buyers' collateral: mixed, low. Sellers generally can secure debt only with sold property or specified goods receiving services or installation and related land. For specified additional collateral, debt must reach $4,000 for subordinate mortgages or $300 for goods, subject to statutory adjustment. Unlawful security interests are… - Loan charges follow defined calculation rules: mixed, low. Loan finance charges include interest, applicable points or discounts, specified insurance and investigation charges, and borrower-paid mortgage broker fees. Specified default, additional, late, and deferral charges are excluded, as are third-party charges generally not required by lenders. Discoun… - Loan insurance charges face state review: mixed, low. Creditors can charge separately for agreed insurance, but charge limits and insurance laws still apply. Violating the insurance chapter makes a charge an excess charge subject to legal remedies. Insurers must file consumer credit insurance forms and premium schedules with Indiana's insurance commis… - Older loans allow paid payment deferrals: mixed, low. For precomputed loans, refinancings, or consolidations made before July 1, 2020, written agreements can allow payment delays. Lenders can charge the lesser of 36% yearly or the previously disclosed rate on deferred amounts during the delay. An agreement signed at origination can let the lender gran… - Precomputed credit faces bans and rebates: mixed, low. Precomputed consumer credit sale agreements entered after June 30, 2020, are prohibited. Covered earlier agreements generally require unearned-charge rebates at full payoff, except amounts below $1; judgment-date and payment-schedule rules apply. Terms longer than 61 months use the disclosed annual… - Seller credit fees have dollar caps: mixed, low. For sale agreements entered after June 30, 2020, sellers can charge a nonrefundable upfront finance fee. Caps are $75 on amounts financed up to $2,000, $150 over $2,000 through $4,000, and $200 over $4,000. Combined charges remain subject to the legal rate limit, and excess fees must be refunded. O… - Seller payment fees carry specific limits: mixed, low. Sellers can charge up to $25 for each returned check or covered electronic payment. A skip-a-payment service can cost up to $25, with written notice and the consumer's written acknowledgment, including an electronic signature. That fee cannot apply to sales covered by the specified early-payment re… - Seller-paid collateral costs increase buyer debt: mixed, low. A seller can pay to insure or preserve collateral when the credit agreement makes that the buyer's duty. The seller can add that advance and permitted interest to the buyer's debt. Within a reasonable time, the seller must provide a written explanation of the advance, charges, and any revised payme… - Small-loan borrowers face repeat-borrowing limits: mixed, low. Small loans must last at least 14 days, and lenders cannot renew an unpaid loan. A later loan after full repayment is not a renewal. After the fifth consecutive small loan following the initial loan, borrowers must repay the balance fully and wait seven days before another loan from that lender. Se… - Small-loan cancellation rights and charge exemptions: mixed, low. You can cancel a small loan at no cost by returning the cash principal by the next business day's end. You can also make partial payments of any amount without charge before the due date. Finance charges that comply with the small-loan chapter are exempt from two other state-law restrictions. That… - Some sales gain limited credit protections: mixed, low. A buyer and seller can both sign a written agreement applying consumer credit sale rules to an otherwise uncovered sale. Separately, consumer-related sales receive the chapter's specified rules in sections 4 through 12. That coverage excludes credit service charge rate rules and rights to prepay an… - Support payments come before other garnishments: mixed, low. When support withholding and another garnishment both apply, the support order takes priority. This remains true regardless of which order started first. The other garnishment receives only what the legal withholding limit allows. - Vehicle borrowers get coverage refund protections: mixed, low. Guaranteed asset protection coverage is optional, costs extra, and requires written cost and term disclosures and a signed or initialed request. Agreements must state vehicle value, include a deductible of at least $500, and offer at least a 30-day trial. Vehicle coverage cannot be sold below 80% f… - Wage access limits scores and cards: mixed, low. Earned wage access providers required to be licensed cannot use consumer-report credit scores to decide eligibility, amounts, or frequency. This does not guarantee approval or a particular advance amount. Providers also cannot accept credit cards to repay advances, fees, tips, gratuities, or donati… - Lending error corrections can limit liability: mixed, low. Creditors or assignees can avoid specified liability by proving unintentional or bona fide errors despite reasonable procedures, except for refusing refunds. A separate good-faith correction process requires restitution and correction within 90 days after closing. The creditor must notify the borro… - Mortgage disclosures and reverse-loan counseling required: mixed, low. First-mortgage creditors must provide disclosures required by the federal Consumer Credit Protection Act, unless the transaction is exempt. Before a covered reverse mortgage, the creditor must provide a state-approved pamphlet about HUD-approved housing counselors. The borrower must complete counse… - Local governments cannot regulate covered lending: mixed, low. Indiana reserves state-level control over making, servicing, and collecting loans and other credit, blocking local regulation. Local governments cannot impose lending measures, reporting duties, or related obligations on covered providers and transaction participants. Coverage includes specified st… - Indiana mortgage coverage follows closing date: mixed, low. Beginning July 1, 2026, the mortgage article covers qualifying first-mortgage transactions closing after June 30, 2026. The loan must be secured by an Indiana dwelling or residential land with a dwelling built or planned. The article excludes borrowers who live outside Indiana when the deal begins… - Mortgage exemptions retain limits and safeguards: mixed, low. Mortgage exemptions cover credit to governments, qualifying community development and federal housing-fund entities, specified federally regulated financial affiliates, and majority-credit-union-owned service organizations. Some exempt groups remain subject to specified state requirements; privatel… - Mortgage licensing records receive privacy protections: mixed, low. Protected records in the national mortgage licensing system generally remain confidential, including after regulators share them. Statutory authorization is generally required to obtain or use them. The law limits public disclosure, subpoenas, discovery, private claims, and use of protected records… - Mortgage support workers get limited exemptions: mixed, low. Supervised employee processors and underwriters doing post-application support work are excluded from the mortgage loan originator definition. They cannot offer rates or terms, negotiate, or counsel borrowers. Certain real estate brokers are excluded only without compensation from creditors, loan b… - Consumer lender applicants face background reviews: mixed, low. Consumer lender applicants and licensees must promptly correct material errors or missing information in initial and renewal applications. People reviewed must provide fingerprints and pay processing costs when the director requests a national criminal-history check. The department cannot release t… - Consumer lenders face license upkeep rules: mixed, low. Consumer lender licensing requires a finding of honest, fair operation; covered applicants face criminal, credit, licensing-history, and bond checks. Reviews can cover key officers, affiliates, managers, and known owners with at least 10% of an equity class. Revenue-department notice of a tax warra… - Consumer lenders face separate licensing rules: mixed, low. Regular consumer-loan making, assignment, direct collection, or enforcement requires a license for each legal entity, but not each branch. Small-loan activity requires a separate license; even one transaction in the prior year, or current year without prior-year activity, counts as regular. Small l… - Lender bonds back consumer legal protections: mixed, low. Covered mortgage creditors and exempt employers or sponsors of licensed mortgage originators must carry bonds sized by mortgage volume. Small-loan lenders need a $50,000 bond per location, subject to a maximum set by the director. Bonds cover legal violations, protect the state and affected residen… - Lender takeovers require state approval: mixed, low. Covered mortgage and consumer creditor takeovers require state approval before a buyer gains control. Control includes directing management or policies, or voting at least 25% of shares. Review usually takes 120 days, with a 30-day extension and two further 45-day extensions on specified grounds. A… - Lenders must keep records and report: mixed, low. Mortgage licensees must give state reviewers free record access and keep first-lien records for two years after the final entry. For revolving mortgages, each entry starts its own two-year period; registered sponsors must provide records for reviews of sponsored originators. Mortgage applications a… - Lenders must support state examinations: mixed, low. Indiana's financial regulator can examine covered lenders, investigate suspected unlicensed activity, require records, and subpoena witnesses. Licensed lenders must use accepted or approved accounting systems and keep loan records two years after the final entry. For revolving accounts, each entry… - Lenders pay licensing and examination fees: mixed, low. First-lien mortgage and consumer lenders must pay initial license, yearly renewal, and examination fees set by the state financial department. The department can add daily fees for overdue renewal or examination payments. Consumer lenders can deduct initial and renewal license fees from the specifi… - New lending powers and licensing rules: mixed, low. Beginning July 1, 2026, qualifying out-of-state bank branches in Indiana follow the same consumer-lending rules and fees as Indiana banks. On that date, Indiana industrial loan and investment companies can make, buy, discount, or otherwise acquire credit under those rules. People engaged in consume… - State takeover powers exclude some lenders: mixed, low. Indiana's financial regulator can take control of a financial institution's business and property for insolvency or unsafe conditions. Listed legal violations and failures to comply also support state control. This power excludes creditors licensed under IC 37-2 to make supervised or regulated loan… - Annual licenses required for mortgage creditors: mixed, low. Mortgage transactions include personal or household loans and credit sales secured by homes or residential land with homes built or planned. Providers are regularly engaged when they complete more than five first-lien mortgages in the prior year. If they did not, the test also covers providers expe… - Mortgage businesses face licensing registration rules: mixed, low. Beginning July 1, 2026, Indiana's financial institutions department may adopt creditor and mortgage originator licensing rules meeting named federal laws. Those rules remain effective until added to the Indiana Code. Licensed mortgage creditors and qualifying exempt businesses employing or sponsori… - Mortgage businesses face software and exams: mixed, low. Mortgage licensees must use examination software chosen by the director, including third-party software. Use that follows the director's guidance receives protection under the cited financial-records law. Vendors must submit to requested state exams when doing work a creditor would otherwise perfor… - Mortgage creditors face coverage and bonds: mixed, low. Indiana's first-lien mortgage administration rules cover anyone acting as a creditor, even without a state license or registration. State-licensed mortgage creditors and exempt employers or sponsors of licensed mortgage loan originators must maintain surety bonds. The director sets bond amounts by… - Mortgage lenders face yearly license checks: mixed, low. First-lien mortgage lenders must renew through the national licensing system by December 31 each year. Renewals require fees, continued bond and reporting compliance, confirmation of qualifications, disclosure of material changes, and prompt correction of material application errors. After state ta… - Mortgage licenses require fitness and checks: mixed, low. Indiana reviews first-lien mortgage applicants' training, experience, finances, character, and fitness, and requires prompt correction of material application errors. The department can request proof of compliance at application, renewal, or later, and deny applications benefiting an unqualified pe… - Mortgage licensing adds safeguards and fees: mixed, low. The national mortgage licensing system processes applications and renewals and issues identifiers to licensees and specified exempt people. The director can report covered violations, complaints, and public licensing decisions, subject to privacy rules. Licensees must have a way to challenge report… - Mortgage offices face rules and flexibility: mixed, low. Covered mortgage licensees acting as loan brokers must follow the listed Indiana loan-broker rules for that work. Their loan-broker transactions are subject to state examinations and examination fees; no fee amount is supplied. Mortgage licensees can also run other businesses at locations where the… ## Sponsors and cosponsors - Sponsor: Scott Baldwin (Republican), Senate - Cosponsor: Jake Teshka (Republican), House - Cosponsor: Lonnie Randolph (Democratic), Senate ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-02-25 | Senate | Senate concurred with House amendments | pass | 46 | 0 | | | 2026-02-23 | House | Third reading: passed | pass | 93 | 1 | | | 2026-01-22 | Senate | Third reading: passed | pass | 43 | 1 | | ## Actions (20) - 2026-03-05: Public Law 115 (Senate) - 2026-03-05: Signed by the Governor (Senate) - 2026-02-27: Signed by the Speaker (House) - 2026-02-27: Signed by the President of the Senate (Senate) - 2026-02-27: Signed by the President Pro Tempore (Senate) - 2026-02-25: Senate concurred with House amendments; Roll Call 278: yeas 46, nays 0 (Senate) - 2026-02-24: Motion to concur filed (Senate) - 2026-02-24: Returned to the Senate with amendments (House) - 2026-02-23: Third reading: passed; Roll Call 305: yeas 93, nays 1 (House) - 2026-02-19: Second reading: ordered engrossed (House) - 2026-02-17: Committee report: amend do pass, adopted (House) - 2026-01-28: First reading: referred to Committee on Financial Institutions (House) - 2026-01-23: Referred to the House (Senate) - 2026-01-22: House sponsor: Representative Teshka (Senate) - 2026-01-22: Third reading: passed; Roll Call 53: yeas 43, nays 1 (Senate) - 2026-01-20: Second reading: ordered engrossed (Senate) - 2026-01-15: Senator Randolph added as coauthor (Senate) - 2026-01-15: Committee report: amend do pass, adopted (Senate) - 2026-01-05: Authored by Senator Baldwin (Senate) - 2026-01-05: First reading: referred to Committee on Insurance and Financial Institutions (Senate) ## Bill text - Enrolled Senate Bill (S): [PDF](https://api.iga.in.gov/2026/bills/SB0169/versions/SB0169.04.ENRH?format=pdf) - Introduced Senate Bill (S): [PDF](https://api.iga.in.gov/2026/bills/SB0169/versions/SB0169.01.INTR?format=pdf) - Senate Bill (H): [PDF](https://api.iga.in.gov/2026/bills/SB0169/versions/SB0169.02.COMS?format=pdf) - Senate Bill (S): [PDF](https://api.iga.in.gov/2026/bills/SB0169/versions/SB0169.03.COMH?format=pdf) ## Related bills - SB 185: Alcohol and tobacco matters. (signed) - SB 204: Various education matters. (signed) - SB 179: Indiana department of transportation. (signed) - SB 80: Code publication. (signed) - HB 1424: Farm and homestead food sales. (signed) - HB 1406: Tax and fiscal matters. (signed) ## Sources - [Enrolled Senate Bill (S) (PDF)](https://api.iga.in.gov/2026/bills/SB0169/versions/SB0169.04.ENRH?format=pdf) - [Introduced Senate Bill (S) (PDF)](https://api.iga.in.gov/2026/bills/SB0169/versions/SB0169.01.INTR?format=pdf) - [Senate Bill (H) (PDF)](https://api.iga.in.gov/2026/bills/SB0169/versions/SB0169.02.COMS?format=pdf) - [Senate Bill (S) (PDF)](https://api.iga.in.gov/2026/bills/SB0169/versions/SB0169.03.COMH?format=pdf) ## Related - [SB 185: Alcohol and tobacco matters.](https://policyrisk.com/state-bill/IN-SB185-2026) - [SB 204: Various education matters.](https://policyrisk.com/state-bill/IN-SB204-2026) - [SB 179: Indiana department of transportation.](https://policyrisk.com/state-bill/IN-SB179-2026) - [SB 80: Code publication.](https://policyrisk.com/state-bill/IN-SB80-2026) - [HB 1424: Farm and homestead food sales.](https://policyrisk.com/state-bill/IN-HB1424-2026) - [HB 1406: Tax and fiscal matters.](https://policyrisk.com/state-bill/IN-HB1406-2026) - [Indiana bills](https://policyrisk.com/states/indiana/bills) - [Indiana state hub](https://policyrisk.com/states/indiana) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/IN-SB169-2026 (as of 2026-11-01).