# Missouri HB3107: Explains requirements for written guidance provided by an agency in response to an inquiry by a financial institution and sets forth the civil actions that can be brought for a fraudulent act or intentional misconduct of the financial institution

Missouri HB3107, Explains requirements for written guidance provided by an agency in response to an inquiry by a financial institution and sets forth the civil actions that can be brought for a fraudulent act or intentional misconduct of the financial institution, is a 2026 Regular Session House bill sponsored by Philip Oehlerking (Republican); status failed, last action 2026-04-21 (Second read and referred: Insurance and Banking) (as of 2026-11-04).

- Canonical: https://policyrisk.com/state-bill/MO-HB3107-2026
- As of: 2026-11-04
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Missouri HB3107
- State: Missouri
- Session: 2026 Regular Session
- Title: Explains requirements for written guidance provided by an agency in response to an inquiry by a financial institution and sets forth the civil actions that can be brought for a fraudulent act or intentional misconduct of the financial institution
- Status: failed
- Chamber: House
- Introduced: 2026-01-28
- Last action: 2026-04-21, Second read and referred: Insurance and Banking
- Sponsor: Philip Oehlerking (Republican)
- Cosponsors: 0
- Touches household money: no
- Roll calls: 3 (105 yes, 50 no in all)
- Economic provisions PRIA read: 0

## Summary

No summary available.

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: Philip Oehlerking (Republican), House

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2026-04-09 | House | Third Read and Passed | pass | 88 | 49 | 2 |
| 2026-03-03 | House | Reported Do Pass | pass | 7 | 0 | 2 |
| 2026-02-18 | House | Reported Do Pass | pass | 10 | 1 | 3 |

## Actions (20)

- 2026-04-21: Second read and referred: Insurance and Banking (Senate)
- 2026-04-13: Reported to the Senate and First Read (Senate)
- 2026-04-09: Third Read and Passed - AYES: 88 NOES: 49 PRESENT: 2 (House)
- 2026-04-09: Taken Up for Third Reading (House)
- 2026-04-09: Placed on the Informal Third Reading Calendar (House)
- 2026-04-07: Perfected with Amendments - HA 1, adopted (House)
- 2026-04-07: Title of Bill - Agreed To (House)
- 2026-04-07: Taken Up for Perfection (House)
- 2026-03-23: Placed on the Informal Perfection Calendar (House)
- 2026-03-03: Reported Do Pass - AYES: 7 NOES: 0 PRESENT: 2 (House)
- 2026-03-03: Voted Do Pass (House)
- 2026-03-03: Executive Session Completed (House)
- 2026-02-23: Referred: Rules - Administrative (House)
- 2026-02-18: Reported Do Pass - AYES: 10 NOES: 1 PRESENT: 3 (House)
- 2026-02-18: Voted Do Pass (House)
- 2026-02-18: Executive Session Completed (House)
- 2026-02-11: Public Hearing Completed (House)
- 2026-02-04: Referred: Financial Institutions (House)
- 2026-01-29: Read Second Time (House)
- 2026-01-28: Introduced and Read First Time (House)

## Bill text

- Perfected, 2026-04-07: [PDF](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/6806H.01P.pdf)
- Introduced, 2026-01-28: [PDF](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/6806H.01I.pdf)

## Related bills

- HB3080: Modifies the historic preservation tax credit (signed)
- HB2974: Modifies provisions relating to licensure reciprocity (signed)
- HB2896: Modifies provisions relating to the governing bodies of certain public institutions of higher education (signed)
- HB2885: Requires all proceeds from boating registrations to be deposited in the water patrol division fund and used exclusively for the water patrol division (signed)
- HB2819: Modifies provisions relating to certain cash transactions requiring rounding to the nearest five cent denomination (signed)
- HB2596: Modifies provisions relating to health benefit plans (signed)

## Sources
- [Perfected (PDF)](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/6806H.01P.pdf)
- [Introduced (PDF)](https://documents.house.mo.gov/billtracking/bills261/hlrbillspdf/6806H.01I.pdf)

## Related
- [HB3080: Modifies the historic preservation tax credit](https://policyrisk.com/state-bill/MO-HB3080-2026)
- [HB2974: Modifies provisions relating to licensure reciprocity](https://policyrisk.com/state-bill/MO-HB2974-2026)
- [HB2896: Modifies provisions relating to the governing bodies of certain public institut…](https://policyrisk.com/state-bill/MO-HB2896-2026)
- [HB2885: Requires all proceeds from boating registrations to be deposited in the water p…](https://policyrisk.com/state-bill/MO-HB2885-2026)
- [HB2819: Modifies provisions relating to certain cash transactions requiring rounding to…](https://policyrisk.com/state-bill/MO-HB2819-2026)
- [HB2596: Modifies provisions relating to health benefit plans](https://policyrisk.com/state-bill/MO-HB2596-2026)
- [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-HB3107-2026 (as of 2026-11-04).