# Kansas HB 2497: 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. Kansas HB 2497, 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., is a 2025–2026 Regular Session House bill sponsored by Committee on Financial Institutions and Pensions; status signed, last action 2026-04-09 (Engrossed on Tuesday, March 31, 2026); PRIA reads it as touching household money (as of 2026-10-17). - Canonical: https://policyrisk.com/state-bill/KS-HB2497-2025-2026 - As of: 2026-10-17 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Kansas HB 2497 - State: Kansas - Session: 2025–2026 Regular Session - Title: 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. - Status: signed - Chamber: House - Introduced: 2026-01-21 - Last action: 2026-04-09, Engrossed on Tuesday, March 31, 2026 - Sponsor: Committee on Financial Institutions and Pensions - Cosponsors: 0 - Subjects: senate committee on financial institutions and insurance, house committee on financial institutions and pensions - Touches household money: yes - Roll calls: 8 (458 yes, 200 no in all) - Economic provisions PRIA read: 1 ## Summary No summary available. ## Bill overview: provisions PRIA read - Some homeowners avoid early loan payoff penalties: benefit, low. 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… ## Sponsors and cosponsors - Sponsor: Committee on Financial Institutions and Pensions ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-04-23 | House | Yea: 32 Nay: 8 | pass | 32 | 8 | | | 2026-04-23 | House | Yea: 36 Nay: 4 | pass | 36 | 4 | | | 2026-04-23 | House | Yea: 87 Nay: 37 | pass | 87 | 37 | | | 2026-04-23 | House | Yea: 74 Nay: 51 | pass | 74 | 51 | | | 2026-03-26 | House | Conference Committee Report was adopted | pass | 74 | 51 | | | 2026-03-25 | Senate | Conference Committee Report was adopted | pass | 32 | 8 | | | 2026-03-19 | Senate | Final Action - Passed as amended | pass | 36 | 4 | | | 2026-02-18 | House | Final Action - Passed | pass | 87 | 37 | | ## Actions (21) - 2026-04-09: Engrossed on Tuesday, March 31, 2026 (House) - 2026-04-09: Enrolled and presented to Governor on Friday, April 3, 2026 (House) - 2026-04-09: Approved by Governor on Thursday, April 9, 2026 (House) - 2026-03-26: Conference Committee Report was adopted; Yea 74, Nay 51 (House) - 2026-03-25: Conference committee report now available (Senate) - 2026-03-25: Conference Committee Report was adopted; Yea 32, Nay 8 (Senate) - 2026-03-24: Motion to accede adopted; Sen. Brenda Dietrich, Sen. Michael Fagg and Sen. Silas Miller appointed as conferees (Senate) - 2026-03-23: Nonconcurred with amendments; Conference Committee requested; appointed Rep. Nick Hoheisel, Rep. Angela Stiens and Rep. Rui Xu (House) - 2026-03-19: Final Action - Passed as amended; Yea 36, Nay 4 (Senate) - 2026-03-18: Committee of the Whole - Committee Report be adopted (Senate) - 2026-03-18: Committee of the Whole - Be passed as amended (Senate) - 2026-03-17: Committee Report recommending bill be passed as amended by Senate Committee on Financial Institutions and Insurance (Senate) - 2026-03-04: Hearing: Wednesday, March 4, 2026, 9:30 AM — Room 546-S (Senate) - 2026-02-19: Referred to Senate Committee on Financial Institutions and Insurance (Senate) - 2026-02-18: Final Action - Passed; Yea 87, Nay 37, Absent 1 (House) - 2026-02-18: Received and Introduced (Senate) - 2026-02-17: Committee of the Whole - Be passed (House) - 2026-02-03: Committee Report recommending bill be passed by House Committee on Financial Institutions and Pensions (House) - 2026-01-26: Hearing: Monday, January 26, 2026, 9:00 AM — Room 582-N (House) - 2026-01-21: Introduced (House) - 2026-01-21: Referred to House Committee on Financial Institutions and Pensions (House) ## Bill text - As Amended by Senate Committee: [PDF](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb2497_01_0000.pdf) - As Introduced: [PDF](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2497/hb2497_00_0000.pdf) - Enrolled: [PDF](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2497/hb2497_enrolled.pdf) ## Related bills - SB 430: Adding mitragynine to schedule I of the uniform controlled substances act and reconciling multiple amendments to certain statutes in the Kansas criminal code. (signed) - SB 82: Providing tax credits for expenditures for lockable gun and ammunition storage and the retail sale of higher ethanol blends of fuel, discontinuing the tax cred… (signed) - SB 300: Providing for the apportionment of business income by manufacturers of alcoholic liquor depending on whether the taxpayer is a qualifying Kansas investor or a… (signed) - HB 2029: Reconciling multiple amendments to certain statutes. (signed) - HB 2018: Senate Substitute for HB 2018 by Committee on Federal and State Affairs - Creating the crime of interference with the conduct of a religious assembly, providin… (became law) - HB 2036: Providing a Kansas income tax subtraction modification for certain amounts received as compensation for members of the armed forces. (failed) ## Sources - [As Amended by Senate Committee (PDF)](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb2497_01_0000.pdf) - [As Introduced (PDF)](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2497/hb2497_00_0000.pdf) - [Enrolled (PDF)](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2497/hb2497_enrolled.pdf) ## Related - [SB 430: Adding mitragynine to schedule I of the uniform controlled substances act and r…](https://policyrisk.com/state-bill/KS-SB430-2025-2026) - [SB 82: Providing tax credits for expenditures for lockable gun and ammunition storage…](https://policyrisk.com/state-bill/KS-SB82-2025-2026) - [SB 300: Providing for the apportionment of business income by manufacturers of alcoholi…](https://policyrisk.com/state-bill/KS-SB300-2025-2026) - [HB 2029: Reconciling multiple amendments to certain statutes.](https://policyrisk.com/state-bill/KS-HB2029-2025-2026) - [HB 2018: Senate Substitute for HB 2018 by Committee on Federal and State Affairs - Creat…](https://policyrisk.com/state-bill/KS-HB2018-2025-2026) - [HB 2036: Providing a Kansas income tax subtraction modification for certain amounts rece…](https://policyrisk.com/state-bill/KS-HB2036-2025-2026) - [Kansas bills](https://policyrisk.com/states/kansas/bills) - [Kansas state hub](https://policyrisk.com/states/kansas) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/KS-HB2497-2025-2026 (as of 2026-10-17).