All Roll Calls
Yes: 458 • No: 200
KansasHB 24972025–2026 Regular SessionHouseWALLET
Prohibiting the assessment of a prepayment penalty against any party more than six months after the execution of a note evidencing a home loan made primarily for personal, family or household purposes secured by a real estate mortgage.
Sponsored By: Committee on Financial Institutions and Pensions
Signed by Governor
senate committee on financial institutions and insurancehouse committee on financial institutions and pensions
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Some homeowners avoid early loan payoff penalties
Kansas law bans charging early-payoff penalties more than six months after a covered home loan note is signed. The loan must be mainly for personal, family, or household use and secured by a real estate mortgage. This protection excludes transactions covered by the Kansas Mortgage Business Act and consumer credit transactions under the Uniform Consumer Credit Code.
Sponsors & Cosponsors
Sponsor
Committee on Financial Institutions and Pensions
Affiliation unavailable
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
House vote • 4/23/2026
Yea: 32 Nay: 8
Yes: 32 • No: 8
House vote • 4/23/2026
Yea: 36 Nay: 4
Yes: 36 • No: 4
House vote • 4/23/2026
Yea: 87 Nay: 37
Yes: 87 • No: 37
House vote • 4/23/2026
Yea: 74 Nay: 51
Yes: 74 • No: 51
House vote • 3/26/2026
Conference Committee Report was adopted
Yes: 74 • No: 51
Senate vote • 3/25/2026
Conference Committee Report was adopted
Yes: 32 • No: 8
Senate vote • 3/19/2026
Final Action - Passed as amended
Yes: 36 • No: 4
House vote • 2/18/2026
Final Action - Passed
Yes: 87 • No: 37
Actions Timeline
Engrossed on Tuesday, March 31, 2026
4/9/2026HouseEnrolled and presented to Governor on Friday, April 3, 2026
4/9/2026HouseApproved by Governor on Thursday, April 9, 2026
4/9/2026HouseConference Committee Report was adopted; Yea 74, Nay 51
3/26/2026HouseConference committee report now available
3/25/2026SenateConference Committee Report was adopted; Yea 32, Nay 8
3/25/2026SenateMotion to accede adopted; Sen. Brenda Dietrich, Sen. Michael Fagg and Sen. Silas Miller appointed as conferees
3/24/2026SenateNonconcurred with amendments; Conference Committee requested; appointed Rep. Nick Hoheisel, Rep. Angela Stiens and Rep. Rui Xu
3/23/2026HouseFinal Action - Passed as amended; Yea 36, Nay 4
3/19/2026SenateCommittee of the Whole - Committee Report be adopted
3/18/2026SenateCommittee of the Whole - Be passed as amended
3/18/2026SenateCommittee Report recommending bill be passed as amended by Senate Committee on Financial Institutions and Insurance
3/17/2026SenateHearing: Wednesday, March 4, 2026, 9:30 AM — Room 546-S
3/4/2026SenateReferred to Senate Committee on Financial Institutions and Insurance
2/19/2026SenateFinal Action - Passed; Yea 87, Nay 37, Absent 1
2/18/2026HouseReceived and Introduced
2/18/2026SenateCommittee of the Whole - Be passed
2/17/2026HouseCommittee Report recommending bill be passed by House Committee on Financial Institutions and Pensions
2/3/2026HouseHearing: Monday, January 26, 2026, 9:00 AM — Room 582-N
1/26/2026HouseIntroduced
1/21/2026HouseReferred to House Committee on Financial Institutions and Pensions
1/21/2026House
Bill Text
As Amended by Senate Committee
As Introduced
Enrolled
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