# Mississippi SB 2712: Small Loan Regulatory Law; authorize licensee to charge fee for nonrecording insurance in lieu of recording cost.

Mississippi SB 2712, Small Loan Regulatory Law; authorize licensee to charge fee for nonrecording insurance in lieu of recording cost., is a 2026 Regular Session Senate bill sponsored by Chris Johnson (Republican); status signed, last action 2026-03-25 (Approved by Governor); PRIA reads it as touching household money (as of 2026-10-27).

- Canonical: https://policyrisk.com/state-bill/MS-SB2712-2026
- As of: 2026-10-27
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Mississippi SB 2712
- State: Mississippi
- Session: 2026 Regular Session
- Title: Small Loan Regulatory Law; authorize licensee to charge fee for nonrecording insurance in lieu of recording cost.
- Status: signed
- Chamber: Senate
- Introduced: 2026-01-19
- Last action: 2026-03-25, Approved by Governor
- Sponsor: Chris Johnson (Republican)
- Cosponsors: 0
- Subjects: Judiciary A, Business and Financial Institutions
- Touches household money: yes
- Roll calls: 3 (192 yes, 8 no in all)
- Economic provisions PRIA read: 1

## Summary

No summary available.

## Bill overview: provisions PRIA read

- New fee for small-loan borrowers: cost, low. Beginning July 1, 2026, Mississippi small-loan lenders may charge a fee on loans of $100 or more instead of the actual cost of recording loan security documents. The fee pays for nonrecording insurance and cannot exceed the Secretary of State’s fees for filing an initial financing statement and an…

## Sponsors and cosponsors

- Sponsor: Chris Johnson (Republican), Senate

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2026-03-13 | Senate | Concurred in Amend From House | pass | 46 | 1 |   |
| 2026-03-10 | House | Passed As Amended | pass | 99 | 5 | 10 |
| 2026-02-12 | Senate | Passed | pass | 47 | 2 | 3 |

## Actions (13)

- 2026-03-25: Approved by Governor (legislature)
- 2026-03-18: Enrolled Bill Signed (House)
- 2026-03-18: Enrolled Bill Signed (Senate)
- 2026-03-13: Concurred in Amend From House (Senate)
- 2026-03-11: Returned For Concurrence (House)
- 2026-03-10: Passed As Amended (House)
- 2026-03-10: Amended (House)
- 2026-03-03: Title Suff Do Pass As Amended (House)
- 2026-02-16: Referred To Judiciary A (House)
- 2026-02-13: Transmitted To House (Senate)
- 2026-02-12: Passed (Senate)
- 2026-02-02: Title Suff Do Pass (Senate)
- 2026-01-19: Referred To Business and Financial Institutions (Senate)

## Bill text

- As Introduced: [HTML](https://billstatus.ls.state.ms.us/documents/2026/html/SB/2700-2799/SB2712IN.htm), [PDF](https://billstatus.ls.state.ms.us/documents/2026/pdf/SB/2700-2799/SB2712IN.pdf)
- As Passed: [HTML](https://billstatus.ls.state.ms.us/documents/2026/html/SB/2700-2799/SB2712PS.htm), [PDF](https://billstatus.ls.state.ms.us/documents/2026/pdf/SB/2700-2799/SB2712PS.pdf)
- Committee Amendment No 1 (Adopted): [HTML](https://billstatus.ls.state.ms.us/documents/2026/html/ham/SB2712_H_Cmte_Amend_01.htm), [PDF](https://billstatus.ls.state.ms.us/documents/2026/pdf/ham/SB2712_H_Cmte_Amend_01.pdf)
- Enrolled: [HTML](https://billstatus.ls.state.ms.us/documents/2026/html/SB/2700-2799/SB2712SG.htm), [PDF](https://billstatus.ls.state.ms.us/documents/2026/pdf/SB/2700-2799/SB2712SG.pdf)

## Related bills

- HB 1653: Local Improvements Project Fund and IHL Capital Improvements Fund; revise certain projects funded with monies from. (signed)
- HB 1924: Appropriation; Attorney General. (signed)
- SB 3051: Appropriation; Finance and Administration, Department of. (signed)
- SB 3110: Tax credits; authorize for contributions by certain taxpayers to certain hospitals. (signed)
- SB 2917: Budget; provide for various transfers of funds, and create various special funds. (signed)
- SB 3071: Appropriation; Gulf Coast Restoration Funds to the Mississippi Development Authority. (signed)

## Sources
- [As Introduced (HTML)](https://billstatus.ls.state.ms.us/documents/2026/html/SB/2700-2799/SB2712IN.htm)
- [As Introduced (PDF)](https://billstatus.ls.state.ms.us/documents/2026/pdf/SB/2700-2799/SB2712IN.pdf)
- [As Passed (HTML)](https://billstatus.ls.state.ms.us/documents/2026/html/SB/2700-2799/SB2712PS.htm)
- [As Passed (PDF)](https://billstatus.ls.state.ms.us/documents/2026/pdf/SB/2700-2799/SB2712PS.pdf)
- [Committee Amendment No 1 (Adopted) (HTML)](https://billstatus.ls.state.ms.us/documents/2026/html/ham/SB2712_H_Cmte_Amend_01.htm)
- [Committee Amendment No 1 (Adopted) (PDF)](https://billstatus.ls.state.ms.us/documents/2026/pdf/ham/SB2712_H_Cmte_Amend_01.pdf)
- [Enrolled (HTML)](https://billstatus.ls.state.ms.us/documents/2026/html/SB/2700-2799/SB2712SG.htm)
- [Enrolled (PDF)](https://billstatus.ls.state.ms.us/documents/2026/pdf/SB/2700-2799/SB2712SG.pdf)

## Related
- [HB 1653: Local Improvements Project Fund and IHL Capital Improvements Fund; revise certa…](https://policyrisk.com/state-bill/MS-HB1653-2026)
- [HB 1924: Appropriation; Attorney General.](https://policyrisk.com/state-bill/MS-HB1924-2026)
- [SB 3051: Appropriation; Finance and Administration, Department of.](https://policyrisk.com/state-bill/MS-SB3051-2026)
- [SB 3110: Tax credits; authorize for contributions by certain taxpayers to certain hospit…](https://policyrisk.com/state-bill/MS-SB3110-2026)
- [SB 2917: Budget; provide for various transfers of funds, and create various special fund…](https://policyrisk.com/state-bill/MS-SB2917-2026)
- [SB 3071: Appropriation; Gulf Coast Restoration Funds to the Mississippi Development Auth…](https://policyrisk.com/state-bill/MS-SB3071-2026)
- [Mississippi bills](https://policyrisk.com/states/mississippi/bills)
- [Mississippi state hub](https://policyrisk.com/states/mississippi)
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Source: PRIA, https://policyrisk.com/state-bill/MS-SB2712-2026 (as of 2026-10-27).