# Maine LD 403: An Act to Protect Holders of Distressed Mortgages from Fraud

Maine LD 403, An Act to Protect Holders of Distressed Mortgages from Fraud, is a 132nd Maine Legislature (2025-2026) House bill sponsored by Daniel Ankeles (Democratic); status signed, last action 2025-06-12 (Signed by Governor, ACTPUB Chapter 275); PRIA reads it as touching household money (as of 2026-10-17).

- Canonical: https://policyrisk.com/state-bill/ME-LD403-132
- As of: 2026-10-17
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Maine LD 403
- State: Maine
- Session: 132nd Maine Legislature (2025-2026)
- Title: An Act to Protect Holders of Distressed Mortgages from Fraud
- Status: signed
- Chamber: House
- Introduced: 2025-02-04
- Last action: 2025-06-12, Signed by Governor, ACTPUB Chapter 275
- Sponsor: Daniel Ankeles (Democratic)
- Cosponsors: 2
- Subjects: REAL ESTATE, REAL ESTATE - MORTGAGES
- Touches household money: yes
- Economic provisions PRIA read: 1

## Summary

No summary available.

## Bill overview: provisions PRIA read

- Homeowners get stronger foreclosure notices: benefit, low. Beginning January 1, 2026, foreclosure notices to homeowners must include clearer, safer guidance. The notice must warn about scams and urge you to seek help from a HUD-approved housing counselor or a Maine-licensed lawyer. If mediation is available, the notice must say you can request mediation to…

## Sponsors and cosponsors

- Sponsor: Daniel Ankeles (Democratic), House
- Cosponsor: Kristi Mathieson (Democratic), House
- Cosponsor: Sally Cluchey (Democratic), House

## Actions (8)

- 2025-06-12: Signed by Governor, ACTPUB Chapter 275
- 2025-06-10: PASSED TO BE ENACTED, in concurrence. (Senate)
- 2025-06-10: PASSED TO BE ENACTED. Sent for concurrence. ORDERED SENT FORTHWITH. (House)
- 2025-06-09: 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. (Senate)
- 2025-06-09: 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. (House)
- 2025-03-21: Carried over, in the same posture, to the next special or regular session of the 132nd Legislature, pursuant to Joint Order SP 519. (House)
- 2025-02-04: The Bill was REFERRED to the Committee on JUDICIARY.In concurrence. ORDERED SENT FORTHWITH. (Senate)
- 2025-02-04: 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. (House)

## Bill text

- Amendment C-A (H-557), adopted by House & Senate: [PDF](https://legislature.maine.gov/legis/bills/getPDF.asp?paper=HP0257&item=2&snum=132)
- Enacted: [PDF](https://legislature.maine.gov/legis/bills/getPDF.asp?paper=HP0257&item=3&snum=132)
- Introduced: [PDF](https://legislature.maine.gov/legis/bills/getPDF.asp?paper=HP0257&item=1&snum=132)

## Related bills

- LD 1522: An Act to Establish the Maine Eviction Prevention Program (failed)
- LD 1665: An Act to Provide Property Tax Relief to Maine Families (failed)
- LD 1872: An Act to Reinvest in the Pension Funds of the Maine Public Employees Retirement System (failed)
- LD 2067: An Act to Include Community Mental Health Workers Under the 1998 Special Plan for Retirement (failed)
- LD 1611: An Act to Decrease the Retirement Contributions Required for Teachers and State Employees (failed)
- LD 1294: An Act to Expand the Dependent Exemption Tax Credit (failed)

## Sources
- [Amendment C-A (H-557), adopted by House & Senate (PDF)](https://legislature.maine.gov/legis/bills/getPDF.asp?paper=HP0257&item=2&snum=132)
- [Enacted (PDF)](https://legislature.maine.gov/legis/bills/getPDF.asp?paper=HP0257&item=3&snum=132)
- [Introduced (PDF)](https://legislature.maine.gov/legis/bills/getPDF.asp?paper=HP0257&item=1&snum=132)

## Related
- [LD 1522: An Act to Establish the Maine Eviction Prevention Program](https://policyrisk.com/state-bill/ME-LD1522-132)
- [LD 1665: An Act to Provide Property Tax Relief to Maine Families](https://policyrisk.com/state-bill/ME-LD1665-132)
- [LD 1872: An Act to Reinvest in the Pension Funds of the Maine Public Employees Retiremen…](https://policyrisk.com/state-bill/ME-LD1872-132)
- [LD 2067: An Act to Include Community Mental Health Workers Under the 1998 Special Plan f…](https://policyrisk.com/state-bill/ME-LD2067-132)
- [LD 1611: An Act to Decrease the Retirement Contributions Required for Teachers and State…](https://policyrisk.com/state-bill/ME-LD1611-132)
- [LD 1294: An Act to Expand the Dependent Exemption Tax Credit](https://policyrisk.com/state-bill/ME-LD1294-132)
- [Maine bills](https://policyrisk.com/states/maine/bills)
- [Maine state hub](https://policyrisk.com/states/maine)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/ME-LD403-132 (as of 2026-10-17).