# Kentucky SB 157: AN ACT relating to total net income limits on loans secured by a mortgage.

Kentucky SB 157, AN ACT relating to total net income limits on loans secured by a mortgage., is a 2026 Regular Session Senate bill sponsored by Jason Howell (Republican); status signed, last action 2026-04-08 (signed by Governor (Acts Ch. 57)); PRIA reads it as touching household money (as of 2026-11-01).

- Canonical: https://policyrisk.com/state-bill/KY-SB157-2026RS
- As of: 2026-11-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Kentucky SB 157
- State: Kentucky
- Session: 2026 Regular Session
- Title: AN ACT relating to total net income limits on loans secured by a mortgage.
- Status: signed
- Chamber: Senate
- Introduced: 2026-02-03
- Last action: 2026-04-08, signed by Governor (Acts Ch. 57)
- Sponsor: Jason Howell (Republican)
- Cosponsors: 0
- Subjects: Banks And Financial Institutions, Loans, Credit, Interest, And Usury, Real Estate
- Touches household money: yes
- Roll calls: 2 (127 yes, 1 no in all)
- Economic provisions PRIA read: 1

## Summary

No summary available.

## Bill overview: provisions PRIA read

- Caps on lender fees for Kentucky mortgages: mixed, high. The law caps what a Kentucky mortgage lender and its affiliates can keep from your loan. They cannot collect more than the greater of $2,000 or 4% of the total loan amount. For this cap, the total loan amount is the amount financed minus the lender’s retained income. Total net income includes most…

## Sponsors and cosponsors

- Sponsor: Jason Howell (Republican), Senate

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2026-03-27 | House | 3rd reading, passed | pass | 89 | 1 |   |
| 2026-02-26 | Senate | 3rd reading, passed | pass | 38 | 0 |   |

## Actions (19)

- 2026-04-08: signed by Governor (Acts Ch. 57)
- 2026-03-27: delivered to Governor
- 2026-03-27: enrolled, signed by Speaker of the House (Senate)
- 2026-03-27: enrolled, signed by President of the Senate (Senate)
- 2026-03-27: received in Senate (Senate)
- 2026-03-27: 3rd reading, passed 89-1 (House)
- 2026-03-26: posted for passage in the Regular Orders of the Day for Friday, March 27 2026 (House)
- 2026-03-19: 2nd reading, to Rules (House)
- 2026-03-18: reported favorably, 1st reading, to Calendar (House)
- 2026-03-13: to Banking & Insurance (H) (House)
- 2026-02-26: to Committee on Committees (H) (House)
- 2026-02-26: received in House (House)
- 2026-02-26: 3rd reading, passed 38-0 (Senate)
- 2026-02-25: posted for passage in the Regular Orders of the Day for Thursday, February 26 2026 (Senate)
- 2026-02-25: 2nd reading, to Rules (Senate)
- 2026-02-24: reported favorably, 1st reading, to Calendar (Senate)
- 2026-02-20: to Banking & Insurance (S) (Senate)
- 2026-02-03: to Committee on Committees (S) (Senate)
- 2026-02-03: introduced in Senate (Senate)

## Bill text

- Current, 2026-02-26: [PDF](https://apps.legislature.ky.gov/recorddocuments/bill/26RS/sb157/bill.pdf)
- Introduced, 2026-02-26: [PDF](https://apps.legislature.ky.gov/recorddocuments/bill/26RS/sb157/orig_bill.pdf)

## Related bills

- SB 197: AN ACT providing funding and establishing conditions for state government agencies and institutions, making an appropriation therefor, and declaring an emergen… (became law)
- SB 133: AN ACT relating to the fiscal reporting of local entities. (signed)
- HB 869: AN ACT relating to fiscal matters and declaring an emergency. (signed)
- SB 324: AN ACT relating to the entertainment industry. (signed)
- SB 66: AN ACT relating to the operation of a motor vehicle. (signed)
- HB 826: AN ACT relating to education. (signed)

## Sources
- [Current (PDF)](https://apps.legislature.ky.gov/recorddocuments/bill/26RS/sb157/bill.pdf)
- [Introduced (PDF)](https://apps.legislature.ky.gov/recorddocuments/bill/26RS/sb157/orig_bill.pdf)

## Related
- [SB 197: AN ACT providing funding and establishing conditions for state government agenc…](https://policyrisk.com/state-bill/KY-SB197-2026RS)
- [SB 133: AN ACT relating to the fiscal reporting of local entities.](https://policyrisk.com/state-bill/KY-SB133-2026RS)
- [HB 869: AN ACT relating to fiscal matters and declaring an emergency.](https://policyrisk.com/state-bill/KY-HB869-2026RS)
- [SB 324: AN ACT relating to the entertainment industry.](https://policyrisk.com/state-bill/KY-SB324-2026RS)
- [SB 66: AN ACT relating to the operation of a motor vehicle.](https://policyrisk.com/state-bill/KY-SB66-2026RS)
- [HB 826: AN ACT relating to education.](https://policyrisk.com/state-bill/KY-HB826-2026RS)
- [Kentucky bills](https://policyrisk.com/states/kentucky/bills)
- [Kentucky state hub](https://policyrisk.com/states/kentucky)
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Source: PRIA, https://policyrisk.com/state-bill/KY-SB157-2026RS (as of 2026-11-01).