# Missouri HB2636: Establishes the "Uniform Mortgage Modification Act" Missouri HB2636, Establishes the "Uniform Mortgage Modification Act", is a 2026 Regular Session House bill sponsored by Bill Owen (Republican); status signed, last action 2026-07-09 (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-HB2636-2026 - As of: 2026-11-04 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Missouri HB2636 - State: Missouri - Session: 2026 Regular Session - Title: Establishes the "Uniform Mortgage Modification Act" - Status: signed - Chamber: House - Introduced: 2026-01-02 - Last action: 2026-07-09, Delivered to Secretary of State (G) - Sponsor: Bill Owen (Republican) - Cosponsors: 1 - Touches household money: yes - Roll calls: 7 (488 yes, 7 no in all) - Economic provisions PRIA read: 4 ## Summary No summary available. ## Bill overview: provisions PRIA read - More protection when homeowners sell and rent: benefit, high. The law protects individuals who sell a current or former residence with one to four units and rent it back. This includes sellers who stay or return later. Buyers must provide a single-page, boldface warning at least 14 calendar days before signing. It explains eviction risks, possible loss of buy… - Advance warnings for homeowners selling to wholesalers: benefit, low. Wholesalers contract to buy homes without taking title, intending to transfer the contract for a fee. For homes with one to four units, they must give owners a separate disclosure explaining their role. It is due at least 14 calendar days before contracting, in bold type of at least 12 points. Both… - Insurance claim ownership and transfer limits: mixed, low. When an insurer pays a property-damage claim, it automatically gains legal title to the paid portion of the claim. The claimant keeps rights to any unpaid portion; this concerns claim rights, not ownership of the home itself. Insured people cannot transfer policy duties, rights, or benefits before… - Mortgage changes keep lenders’ lien priority: mixed, low. Covered mortgage changes keep the mortgage securing the changed debt and preserve the lender’s place in line for repayment. This applies even without recording the change in public land records; the change does not replace the original obligation. Covered changes include longer repayment terms, low… ## Sponsors and cosponsors - Sponsor: Bill Owen (Republican), House - Cosponsor: Wendy L. Hausman (Republican), House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-05-15 | House | House Adopts - SS, as amended | pass | 142 | 1 | | | 2026-05-15 | House | Truly Agreed To and Finally Passed | pass | 144 | 1 | | | 2026-05-15 | House | Reported Do Pass | pass | 7 | 0 | | | 2026-05-14 | Senate | Third Read and Passed with Amendments - SA 1 | pass | 25 | 5 | | | 2026-03-26 | House | Third Read and Passed | pass | 145 | 0 | | | 2026-02-26 | House | Reported Do Pass | pass | 12 | 0 | | | 2026-02-04 | House | Reported Do Pass | pass | 13 | 0 | | ## Actions (44) - 2026-07-09: Delivered to Secretary of State (G) (House) - 2026-07-09: Approved by Governor (G) (House) - 2026-05-28: Delivered to Governor (House) - 2026-05-28: Signed by President Pro Tem (Senate) - 2026-05-28: Signed by House Speaker (House) - 2026-05-15: House Message (House) - 2026-05-15: Truly Agreed To and Finally Passed - AYES: 144 NOES: 1 PRESENT: 0 (House) - 2026-05-15: House Adopts - SS, as amended AYES: 142 NOES: 1 PRESENT: 0 (House) - 2026-05-15: Taken Up (House) - 2026-05-15: Reported Do Pass - AYES: 7 NOES: 0 PRESENT: 0 (House) - 2026-05-15: Voted Do Pass (House) - 2026-05-15: Executive Session Completed (House) - 2026-05-14: Referred: Fiscal Review (House) - 2026-05-14: Reported to the House with... - SS, as amended (House) - 2026-05-14: Third Read and Passed with Amendments - SA 1 AYES: 25 NOES: 5 PRESENT: 0 (Senate) - 2026-05-14: SS Adopted (Senate) - 2026-05-14: SS Offered (Senate) - 2026-05-14: Taken Up for Third Reading (Senate) - 2026-05-07: Placed on Informal Calendar (Senate) - 2026-04-28: Reported Do Pass (Senate) - 2026-04-21: Voted Do Pass (Senate) - 2026-04-21: Public Hearing Held (Senate) - 2026-04-16: Public Hearing Scheduled - Tuesday, April 21, 2026, 12:00 p.m., Senate Lounge - 3rd Floor (Senate) - 2026-04-08: Second read and referred: Insurance and Banking (Senate) - 2026-03-30: Reported to the Senate and First Read (Senate) - 2026-03-26: Third Read and Passed - AYES: 145 NOES: 0 PRESENT: 0 (House) - 2026-03-26: Taken Up for Third Reading (House) - 2026-03-26: Placed on the Informal Third Reading Calendar (House) - 2026-03-23: Perfected (House) - 2026-03-23: Title of Bill - Agreed To (House) - 2026-03-23: Taken Up for Perfection (House) - 2026-03-23: Placed on the Informal Perfection Calendar (House) - 2026-02-26: Reported Do Pass - AYES: 12 NOES: 0 PRESENT: 0 (House) - 2026-02-26: Voted Do Pass (House) - 2026-02-26: Executive Session Completed (House) - 2026-02-18: Referred: Rules - Legislative (House) - 2026-02-04: Reported Do Pass - AYES: 13 NOES: 0 PRESENT: 0 (House) - 2026-02-04: Voted Do Pass (House) - 2026-02-04: Executive Session Completed (House) - 2026-01-21: Public Hearing Completed (House) - 2026-01-15: Referred: Financial Institutions (House) - 2026-01-08: Read Second Time (House) - 2026-01-07: Read First Time (House) - 2026-01-02: Prefiled (House) ## Bill text - Truly Agreed, 2026-05-15: [PDF](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/6376S.03T.pdf) - Perfected, 2026-03-23: [PDF](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/6376H.01P.pdf) - Senate Substitute, 2026-02-04: [PDF](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/6376S.03F.pdf) - Introduced, 2026-01-07: [PDF](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/6376H.01I.pdf) ## Related bills - HB2596: Modifies provisions relating to health benefit plans (signed) - HB2586: Revises the par value of membership shares and allows for participation in board meetings by telephone or electronic means (signed) - HB2372: Modifies provisions relating to health care (signed) - 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) - HB1825: Removes the prosecuting attorney and the sheriff from the county salary commission (signed) ## Sources - [Truly Agreed (PDF)](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/6376S.03T.pdf) - [Perfected (PDF)](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/6376H.01P.pdf) - [Senate Substitute (PDF)](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/6376S.03F.pdf) - [Introduced (PDF)](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/6376H.01I.pdf) ## Related - [HB2596: Modifies provisions relating to health benefit plans](https://policyrisk.com/state-bill/MO-HB2596-2026) - [HB2586: Revises the par value of membership shares and allows for participation in boar…](https://policyrisk.com/state-bill/MO-HB2586-2026) - [HB2372: Modifies provisions relating to health care](https://policyrisk.com/state-bill/MO-HB2372-2026) - [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) - [HB1825: Removes the prosecuting attorney and the sheriff from the county salary commiss…](https://policyrisk.com/state-bill/MO-HB1825-2026) - [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-HB2636-2026 (as of 2026-11-04).