All Roll Calls
Yes: 229 • No: 100
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: Sponsor information unavailable
Signed by Governor
financial institutions and insurancefinancial institutions and pensions
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Bill Overview
Analyzed Economic Effects
3 provisions identified: 0 benefits, 0 costs, 3 mixed.
15% interest cap, with key exceptions
Interest on written promises to pay money, like notes and bonds, is capped at 15% per year unless another law allows a higher rate. The cap does not cover some deals: loans under the Kansas Mortgage Business Act, consumer credit under the Uniform Consumer Credit Code, loans from qualified retirement plans to participants or family, adjustable mortgage notes or contracts that permit changes to rate, term, or amortization, and loans mainly for business or farm use. The act repeals the prior version of this statute and puts these rules in place.
Loan fees allowed and usury remedies
A lender can collect the actual government fees to file, record, or release your loan papers. The lender can also collect reasonable expenses tied to making, closing, or renewing the loan. If a loan charges more interest than the law allows, all the extra interest is forfeited and an equal extra amount is also forfeited. You can use this as a defense or counterclaim and recover reasonable attorney fees.
No mortgage prepay fee after six months
For home loans made for personal, family, or household use, lenders cannot charge a prepayment penalty after six months from when you signed the note. This protects borrowers who refinance or pay off a mortgage after six months. This rule does not apply to loans under the Kansas Mortgage Business Act or the Uniform Consumer Credit Code. Those loans follow their own rules.
Sponsors & Cosponsors
Sponsors
There is no primary sponsor on record.
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
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 • 4/23/2026
Yea: 32 Nay: 8
Yes: 32 • No: 8
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; Senator Dietrich, Senator Fagg and Senator Miller appointed as conferees
3/24/2026SenateNonconcurred with amendments; Conference Committee requested; appointed Representative Hoheisel , Representative Stiens and Representative Xu as conferees
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 Committee on Financial Institutions and Insurance
3/17/2026SenateHearing: Wednesday, March 4, 2026, 9:30 AM Room 546-S
3/4/2026SenateReferred to Committee on Financial Institutions and Insurance
2/19/2026SenateFinal Action - Passed; Yea: 87 Nay: 37
2/18/2026HouseReceived and Introduced
2/18/2026SenateCommittee of the Whole - Be passed
2/17/2026HouseCommittee Report recommending bill be passed by 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 Committee on Financial Institutions and Pensions
1/21/2026House
Bill Text
As Amended by Senate Committee
As introduced
Enrolled
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