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MaineLD 403132nd Maine Legislature (2025-2026)HouseWALLET

An Act to Protect Holders of Distressed Mortgages from Fraud

Sponsored By: Daniel Ankeles (Democratic)

Became Law

REAL ESTATEREAL ESTATE - MORTGAGES

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Stronger foreclosure notices for homeowners

Beginning January 1, 2026, lenders must add three items to Maine foreclosure notices. The notice must say you may ask for mediation to try to avoid a foreclosure judgment, when mediation is available under state law. It must also state that the total amount due shown does not include amounts that come due after the notice date. And it must include a fraud warning urging you to seek help only from a HUD-approved (U.S. Department of Housing and Urban Development) housing counselor or a Maine-licensed lawyer. These rules apply to notices sent by the foreclosing party.

Sponsors & Cosponsors

Sponsor

  • Daniel Ankeles

    Democratic • House

Cosponsors

  • Kristi Mathieson

    Democratic • House

  • Sally Cluchey

    Democratic • House

Roll Call Votes

No roll call votes available for this bill.

Actions Timeline

  1. ACTPUB Chapter 275

    5/1/2026

  2. PASSED TO BE ENACTED, in concurrence.

    6/10/2025Senate

  3. PASSED TO BE ENACTED. Sent for concurrence. ORDERED SENT FORTHWITH.

    6/10/2025House

  4. Reports ReadOn motion by Senator CARNEY of Cumberland the Majority Ought to Pass as Amended Report ACCEPTED. Bill READ ONCE. Committee Amendment "A" (H-557) READ and ADOPTED. Under suspension of the Rules, READ A SECOND TIME and PASSED TO BE ENGROSSED AS AMENDED by Committee Amendment "A" (H-557) in concurrence.

    6/9/2025Senate

  5. Reports READ.On motion of Representative KUHN of Falmouth, the Majority Ought to Pass as Amended Report was ACCEPTED.The Bill was READ ONCE.Committee Amendment "A" (H-557) was READ and ADOPTED.Under suspension of the rules, the Bill was given its SECOND READING without REFERENCE to the Committee on Bills in the Second Reading.The Bill was PASSED TO BE ENGROSSED as Amended by Committee Amendment "A" (H-557). Sent for concurrence. ORDERED SENT FORTHWITH.

    6/9/2025House

  6. Carried over, in the same posture, to the next special or regular session of the 132nd Legislature, pursuant to Joint Order SP 519.

    3/21/2025House

  7. The Bill was REFERRED to the Committee on JUDICIARY.In concurrence. ORDERED SENT FORTHWITH.

    2/4/2025Senate

  8. Committee on HEALTH COVERAGE, INSURANCE AND FINANCIAL SERVICES suggested and ordered printed. On motion of Representative MATHIESON of Kittery, the Bill was REFERRED to the Committee on JUDICIARY.Sent for concurrence. ORDERED SENT FORTHWITH.

    2/4/2025House

Bill Text

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