relative to certain laws applicable to state chartered banks, credit unions, trust companies, and other consumer credit entities subject to the authority of the banking department.
Sponsored By: John B. Hunt (Republican)
Signed by Governor
Personalized for You
How does this bill affect your finances?
Personalize government policy and PRIA will tell you what this bill means for your household, plus every other piece of legislation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.
Bill Overview
Analyzed Economic Effects
3 provisions identified: 1 benefits, 1 costs, 1 mixed.
Easier licensing for some mortgage loan originators
New Hampshire shortens the general felony lookback for mortgage loan originator applicants from 10 years to 7 years. Expunged or pardoned convictions do not require denial. Felonies involving fraud, dishonesty, theft, breach of trust, money laundering, or financial-services offenses remain disqualifying regardless of age. The banking commissioner may allow licensing for some covered misdemeanor convictions more than 10 years before application.
Response deadlines for mortgage and lending applicants
New Hampshire's banking commissioner may withdraw covered license applications as abandoned when applicants fail to answer department requests in writing. Mortgage loan originator applicants have 60 calendar days to respond. Mortgage banker, broker, servicer, and other covered lending applicants under RSA 399-A have 180 calendar days. Requests sent through the nationwide multistate licensing system count toward these deadlines, as do requests through other channels.
Annual fees replace banks' routine exam fees
Starting July 1, 2027, New Hampshire replaces routine examination fees with annual base fees for covered state-chartered institutions. Banks, credit unions, and trust companies pay $23,000 each year; family trust companies pay $11,000. The routine-fee exemption applies to examinations starting on or after July 1, 2027. Actual examination expenses remain chargeable, along with fees for investigations, supervisory visits, and non-routine exams.
Sponsors & Cosponsors
Sponsor
John B. Hunt
Republican • House
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
No roll call votes available for this bill.
Actions Timeline
Signed by Governor Ayotte 07/10/2026; Chapter 294; eff. I. Sec 1+2 eff 7/1/2027 II. Secs 19-28 eff 10/1/2027 III. Rem eff 10/1/2026
7/16/2026HouseEnrolled (in recess of) 06/04/2026 HJ 15 P. 56
7/1/2026HouseEnrolled Adopted, VV, (In recess 06/04/2026); SJ 15
6/30/2026SenateEnrolled Bill Amendment # 2026-2161e: AA VV (in recess of) 06/04/2026 HJ 15 P. 47
6/17/2026HouseEnrolled Bill Amendment # 2026-2161e Adopted, VV, (In recess of 06/04/2026); SJ 14
6/17/2026SenateHouse Concurs with Senate Amendment 2026-1718s (Rep. Hunt): MA VV 05/21/2026 HJ 14 P. 2
5/21/2026HouseOught to Pass with Amendment # 2026-1718s, MA, VV; OT3rdg; 05/07/2026; SJ 11
5/5/2026SenateCommittee Amendment # 2026-1718s, AA, VV; 05/07/2026; SJ 11
5/5/2026SenateCommittee Report: Ought to Pass with Amendment # 2026-1718s, 05/07/2026; Vote 5-0; CC; SC 17
4/29/2026SenateHearing: 03/31/2026, Room 100, SH, 10:15 am; SC 11
3/18/2026SenateIntroduced 03/12/2026 and Referred to Commerce; SJ 7
3/17/2026SenateOught to Pass with Amendment 2026-0922h: MA VV 03/11/2026 HJ 7 P. 4
3/11/2026HouseAmendment # 2026-0922h: AA VV 03/11/2026 HJ 7 P. 4
3/11/2026HouseCommittee Report: Ought to Pass with Amendment # 0922 03/03/2026 (Vote 14-0; CC) HC 10 P. 6
3/5/2026HouseExecutive Session: 03/03/2026 01:00 pm GP 229
2/25/2026HouseFull Committee Work Session: 02/18/2026 02:00 pm GP 229
2/13/2026HousePublic Hearing: 01/29/2026 10:00 am GP 229
1/22/2026HouseIntroduced 01/07/2026 and referred to Commerce and Consumer Affairs HJ 1 P. 10
12/1/2025House
Bill Text
As Amended
6/17/2026
Enrolled
6/17/2026
Introduced
12/1/2025
CHAPTERED FINAL VERSION
Version adopted by both bodies
Related Bills
HB1102, (New Title) increasing the research and development tax credit cap and relative to state park fees for state residents.
HB1168, relative to employer documentation requirements.
HB1030, relative to licensed practical nurse scope of practice.
SB469, (New Title) allowing the director of the division of motor vehicles to adopt administrative rules regarding the use of electronic signatures and relative to signature requirements where ownership of a vehicle is transferred to an insurer after payment of damages.
SB526, establishing a New Hampshire-Greece trade council.
HB1310, relative to state licensed or certified real estate appraisers.