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Rhode IslandS33612026 Regular SessionSenateWALLET

AN ACT RELATING TO PROPERTY -- MORTGAGE FORECLOSURE AND SALE .

Sponsored By: Matthew L. LaMountain (Democratic)

Signed by Governor

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 2 benefits, 0 costs, 0 mixed.

Stronger foreclosure protections for servicemembers

The law protects servicemembers on active duty and for nine months after service. It covers loans that began before service and are secured by a mortgage. After the lender gets your written notice of service (or notice within nine months after), it cannot sell or foreclose unless a court approves it after a hearing or all parties agree. Any sale during this time is invalid without a court order or agreement. You or your representative may ask the county Superior Court to pause the case or adjust the loan; hearings are expedited. Mailed foreclosure notices must include your servicemember rights in at least 12-point type with a 14-point heading. A lender that knowingly violates the bar can be fined $1,000, jailed up to one year, or both, plus other remedies.

Earlier, clearer foreclosure notices to owners

The lender must mail a written notice of a power-of-sale foreclosure to the property and to your tax-roll address or any address you gave in writing. If you are an individual consumer mortgagor, it must be mailed at least 30 days before the first publication; for others, at least 20 days. The day of mailing counts toward these periods. The lender may use USPS First Class Mail or an overnight delivery service. The foreclosure deed must include an affidavit saying these mailing rules were followed.

Sponsors & Cosponsors

Sponsor

  • Matthew L. LaMountain

    Democratic • Senate

Cosponsors

  • Robert Britto

    Democratic • Senate

  • John P. Burke

    Democratic • Senate

  • Louis P. DiPalma

    Democratic • Senate

  • Walter S. Felag Jr.

    Democratic • Senate

  • Hanna M. Gallo

    Democratic • Senate

  • David P. Tikoian

    Democratic • Senate

Roll Call Votes

All Roll Calls

Yes: 121 • No: 7

Senate vote • 6/11/2026

RELATING TO PROPERTY -- MORTGAGE FORECLOSURE AND SALE Passage as Amended Passage

Yes: 32 • No: 5

House vote • 6/11/2026

MORTGAGE FORECLOSURE AND SALE PASSAGE IN CONCURRENCE

Yes: 54 • No: 0

Senate vote • 6/11/2026

RELATING TO PROPERTY -- MORTGAGE FORECLOSURE AND SALE Approval of Amendment Passage

Yes: 35 • No: 2

Actions Timeline

  1. Signed by Governor — Chapter 360

    6/24/2026Governor

  2. Transmitted to Governor

    6/18/2026Governor

  3. House passed as amended in concurrence

    6/11/2026House

  4. Placed on House Calendar (06/11/2026)

    6/11/2026House

  5. Senate passed as amended (floor amendment)

    6/11/2026Senate

  6. Placed on Senate Calendar (06/11/2026)

    6/9/2026Senate

  7. Committee recommends passage

    6/9/2026

  8. Scheduled for hearing and/or consideration (06/09/2026)

    6/5/2026

  9. Introduced, referred to Senate Judiciary

    6/5/2026Senate

Bill Text

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