# Missouri HB1870: Modifies provisions relating to garnishments Missouri HB1870, Modifies provisions relating to garnishments, is a 2026 Regular Session House bill sponsored by Lane Roberts (Republican); status signed, last action 2026-05-06 (Delivered to Secretary of State (G)); PRIA reads it as touching household money (as of 2026-11-04). - Canonical: https://policyrisk.com/state-bill/MO-HB1870-2026 - As of: 2026-11-04 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Missouri HB1870 - State: Missouri - Session: 2026 Regular Session - Title: Modifies provisions relating to garnishments - Status: signed - Chamber: House - Introduced: 2025-12-01 - Last action: 2026-05-06, Delivered to Secretary of State (G) - Sponsor: Lane Roberts (Republican) - Cosponsors: 0 - Touches household money: yes - Roll calls: 7 (472 yes, 29 no in all) - Economic provisions PRIA read: 7 ## Summary No summary available. ## Bill overview: provisions PRIA read - Homeowners can protect more home value: benefit, high. Beginning January 1, 2027, Missouri's homestead protection rises from $15,000 to $40,000 against court-ordered collection. It covers the dwelling, related structures, and connected land used as the person's homestead. Each person is limited to one homestead, and co-owners share the $40,000 limit ra… - Debtor protections adjust automatically for inflation: benefit, medium. Beginning April 1, 2029, covered property and homestead protection amounts adjust every three years on April 1. Changes use the Consumer Price Index for All Urban Consumers over the latest three-year period, rounded to the nearest $25. Missouri's Revisor of Statutes must publish the new amounts by… - Health savings accounts gain creditor protection: benefit, medium. Beginning January 1, 2027, Missouri expressly protects qualifying health savings accounts from court-ordered collection. Accounts must qualify under federal health savings account tax rules, and protection includes inherited accounts. The protection remains subject to exceptions for qualified domes… - Banks face less garnishment liability: cost, low. Beginning January 1, 2028, financial institutions gain liability protection when acting in good faith on garnishment orders that appear valid. They need not decide competing ownership claims, check the judgment's validity, or investigate beyond the order and their records. Damages require gross neg… - Higher asset protections, lower jewelry limits: mixed, high. Beginning January 1, 2027, Missouri changes how much property people owing court judgments can protect from collection. The household-goods limit rises from $3,000 to $15,000. The vehicle limit rises from $3,000 to $5,000, plus up to $10,000 of unused household-goods protection. The limit for a mob… - New account holds and objection rights: mixed, medium. Beginning January 1, 2028, new garnishment rules cover account money at federally insured banks, savings institutions, and credit unions. An order generally reaches only money on deposit when service takes effect, not later deposits. Service takes effect before the institution's cutoff on a banking… - Easier debtor questioning, with testimony protections: mixed, low. Beginning January 1, 2027, creditors can request sworn questioning of debtors before a judgment is satisfied or legally presumed paid. They no longer need an unsuccessful collection execution returned within the past five years. A corporate debtor's chief officer can also be ordered to appear; fail… ## Sponsors and cosponsors - Sponsor: Lane Roberts (Republican), House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-04-20 | House | House Adopts - SS | pass | 141 | 9 | | | 2026-04-20 | House | Reported Do Pass | pass | 6 | 2 | | | 2026-04-20 | House | Truly Agreed To and Finally Passed | pass | 142 | 8 | | | 2026-04-15 | Senate | Third Read and Passed | pass | 26 | 0 | | | 2026-03-11 | House | Third Read and Passed | pass | 137 | 9 | | | 2026-02-26 | House | Reported Do Pass | pass | 5 | 1 | | | 2026-02-18 | House | HCS Reported Do Pass | pass | 15 | 0 | | ## Actions (44) - 2026-05-06: Delivered to Secretary of State (G) (House) - 2026-05-06: Approved by Governor (G) (House) - 2026-04-23: Delivered to Governor (House) - 2026-04-23: Signed by President Pro Tem (Senate) - 2026-04-23: Signed by House Speaker (House) - 2026-04-20: House Message (House) - 2026-04-20: Truly Agreed To and Finally Passed - AYES: 142 NOES: 8 PRESENT: 0 (House) - 2026-04-20: House Adopts - SS AYES: 141 NOES: 9 PRESENT: 0 (House) - 2026-04-20: Taken Up (House) - 2026-04-20: Reported Do Pass - AYES: 6 NOES: 2 PRESENT: 0 (House) - 2026-04-20: Voted Do Pass (House) - 2026-04-20: Executive Session Completed (House) - 2026-04-16: Referred: Fiscal Review (House) - 2026-04-16: Reported to the House with... - SS (House) - 2026-04-15: Third Read and Passed - AYES: 26 NOES: 0 PRESENT: 0 (Senate) - 2026-04-15: SS Adopted (Senate) - 2026-04-15: SS Offered (Senate) - 2026-04-15: Taken Up for Third Reading (Senate) - 2026-04-08: Reported Do Pass (Senate) - 2026-04-07: Voted Do Pass (Senate) - 2026-04-07: Executive Session Held (Senate) - 2026-04-01: Public Hearing Held (Senate) - 2026-03-26: Public Hearing Scheduled - Tuesday, March 31, 2026, 12:00 p.m., Senate Lounge-3rd Floor (Senate) - 2026-03-23: Second read and referred: Insurance and Banking (Senate) - 2026-03-11: Reported to the Senate and First Read (Senate) - 2026-03-11: Third Read and Passed - AYES: 137 NOES: 9 PRESENT: 0 (House) - 2026-03-11: Taken Up for Third Reading (House) - 2026-03-09: Perfected with Amendments - HA 1, adopted (House) - 2026-03-09: HCS Adopted (House) - 2026-03-09: Title of Bill - Agreed To (House) - 2026-03-09: Taken Up for Perfection (House) - 2026-03-04: Placed on the Informal Perfection Calendar (House) - 2026-02-26: Reported Do Pass - AYES: 5 NOES: 1 PRESENT: 0 (House) - 2026-02-26: Voted Do Pass (House) - 2026-02-26: Executive Session Completed (House) - 2026-02-19: Referred: Rules - Administrative (House) - 2026-02-18: HCS Reported Do Pass - AYES: 15 NOES: 0 PRESENT: 0 (House) - 2026-02-18: HCS Voted Do Pass (House) - 2026-02-18: Executive Session Completed (House) - 2026-02-11: Public Hearing Completed (House) - 2026-02-05: Referred: Financial Institutions (House) - 2026-01-08: Read Second Time (House) - 2026-01-07: Read First Time (House) - 2025-12-01: Prefiled (House) ## Bill text - Truly Agreed, 2026-04-20: [PDF](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/4824S.06T.pdf) - Perfected, 2026-03-09: [PDF](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/4824H.05P.pdf) - Committee Substitute, 2026-02-18: [PDF](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/4824H.05C.pdf) - Senate Substitute, 2026-02-18: [PDF](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/4824S.06F.pdf) - Introduced, 2026-01-07: [PDF](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/4824H.01I.pdf) ## Related bills - HB1871: Modifies provisions relating to elections (signed) - HB1867: Authorizes Joplin to increase a transient guest tax for tourism to no more than six percent upon a vote of the people (signed) - HB1827: Adds licensed occupational therapists to the definition of "other authorized health care practitioner" for purposes of physician's statements required for disa… (signed) - HB1840: Establishes an alert system to assist in the location of missing persons with developmental disabilities (signed) - HB1825: Removes the prosecuting attorney and the sheriff from the county salary commission (signed) - SB1408: Increases the maximum speed limit from 70 to 75 miles per hour on rural interstates and freeways (signed) ## Sources - [Truly Agreed (PDF)](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/4824S.06T.pdf) - [Perfected (PDF)](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/4824H.05P.pdf) - [Committee Substitute (PDF)](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/4824H.05C.pdf) - [Senate Substitute (PDF)](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/4824S.06F.pdf) - [Introduced (PDF)](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/4824H.01I.pdf) ## Related - [HB1871: Modifies provisions relating to elections](https://policyrisk.com/state-bill/MO-HB1871-2026) - [HB1867: Authorizes Joplin to increase a transient guest tax for tourism to no more than…](https://policyrisk.com/state-bill/MO-HB1867-2026) - [HB1827: Adds licensed occupational therapists to the definition of "other authorized he…](https://policyrisk.com/state-bill/MO-HB1827-2026) - [HB1840: Establishes an alert system to assist in the location of missing persons with d…](https://policyrisk.com/state-bill/MO-HB1840-2026) - [HB1825: Removes the prosecuting attorney and the sheriff from the county salary commiss…](https://policyrisk.com/state-bill/MO-HB1825-2026) - [SB1408: Increases the maximum speed limit from 70 to 75 miles per hour on rural interst…](https://policyrisk.com/state-bill/MO-SB1408-2026) - [Missouri bills](https://policyrisk.com/states/missouri/bills) - [Missouri state hub](https://policyrisk.com/states/missouri) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/MO-HB1870-2026 (as of 2026-11-04).