All Roll Calls
Yes: 164 • No: 75
TennesseeHB 0908114th General Assembly (2025-2026)HouseWALLET
AN ACT to amend Tennessee Code Annotated, Title 45 and Title 47, relative to interest on home loans.
Sponsored By: Sponsor information unavailable
Signed by Governor
Interest Rates
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
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Tennessee caps interest rates on home loans
Beginning July 1, 2025, Tennessee limits the effective annual interest rate lenders can charge on covered home loans. The cap is the lower of 18% or four percentage points above the average prime offer rate. That benchmark is for a 30-year fixed loan, published by the Federal Financial Institutions Examination Council or its successor. This protects borrowers from rates above the cap, but does not guarantee savings on every loan.
Sponsors & Cosponsors
Sponsors
There is no primary sponsor on record.
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
Senate vote • 4/7/2025
FLOOR VOTE: Third Consideration 4/7/2025
Yes: 24 • No: 5
House vote • 3/27/2025
FLOOR VOTE: MOTION TO RECALL FROM SENATE 3/27/2025
Yes: 23 • No: 70
House vote • 3/3/2025
FLOOR VOTE: CONSENT CALENDAR PASSAGE ON THIRD CONSIDERATION 3/3/2025
Yes: 90 • No: 0
House vote • 3/3/2025
HOUSE CALENDAR & RULES COMMITTEE
Yes: 0 • No: 0
House vote • 2/26/2025
HOUSE COMMERCE COMMITTEE
Yes: 22 • No: 0
House vote • 2/19/2025
HOUSE BANKING AND CONSUMER AFFAIRS SUBCOMMITTEE
Yes: 5 • No: 0
Actions Timeline
Effective date(s) 07/01/2025
4/28/2025Pub. Ch. 290
4/28/2025Signed by Governor.
4/24/2025Transmitted to Governor for his action.
4/16/2025HouseSigned by Senate Speaker
4/14/2025SenateSigned by H. Speaker
4/10/2025HouseEnrolled; ready for sig. of H. Speaker.
4/8/2025HousePassed Senate, Ayes 24, Nays 5, PNV 1
4/7/2025SenatePlaced on Senate Regular Calendar for 4/7/2025
4/4/2025SenateSenate Reset on calendar for 4/7/2025
3/20/2025SenatePlaced on Senate Regular Calendar for 3/20/2025
3/18/2025SenateSenate Reset on calendar for 3/20/2025
3/17/2025SenateSenate substituted House Bill for companion Senate Bill.
3/17/2025SenateReceived from House, Passed on First Consideration
3/6/2025SenateEngrossed; ready for transmission to Sen.
3/4/2025HousePassed H., Ayes 90, Nays 0, PNV 0
3/3/2025HouseH. Placed on Consent Calendar for 3/3/2025
2/27/2025HousePlaced on cal. Calendar & Rules Committee for 2/27/2025
2/26/2025HouseRec. for pass; ref to Calendar & Rules Committee
2/26/2025HousePlaced on cal. Commerce Committee for 2/26/2025
2/19/2025HouseRec. for pass by s/c ref. to Commerce Committee
2/19/2025HousePlaced on s/c cal Banking & Consumer Affairs Subcommittee for 2/19/2025
2/12/2025HouseAssigned to s/c Banking & Consumer Affairs Subcommittee
2/10/2025HouseP2C, ref. to Commerce Committee
2/6/2025HouseIntro., P1C.
2/5/2025House
Bill Text
Enrolled / Public Chapter
Fiscal Note
Introduced
Related Bills
HB 0794, AN ACT to amend Tennessee Code Annotated, Title 4; Title 5; Title 6; Title 7; Title 8; Title 12; Title 13; Title 29; Title 54; Title 64; Title 65; Title 68 and Title 69, relative to municipal utilities.
HB 0489, AN ACT to amend Tennessee Code Annotated, Title 38; Title 39; Title 40 and Title 55, relative to criminal law.
HB 0162, AN ACT to amend Tennessee Code Annotated, Title 67, relative to taxes.
SB 2733, AN ACT to amend Chapter 33 of the Private Acts of 1985; as amended by Chapter 85 of the Private Acts of 2004; and any other acts amendatory thereto, relative to the City of Gleason.
SB 2702, AN ACT to amend Chapter 154 of the Private Acts of 1955; as amended by Chapter 158 of the Private Acts of 1988; Chapter 204 of the Private Acts of 1990; and any other acts amendatory thereto, relative to the City of Charlotte.
SB 2690, AN ACT to make appropriations for the purpose of defraying the expenses of the state government for the fiscal years beginning July 1, 2025, and July 1, 2026, in the administration, operation and maintenance of the legislative, executive and judicial branches of the various departments, institutions, offices and agencies of the state; for certain state aid and obligations; for capital outlay, for the service of the public debt, for emergency and contingency; to repeal certain appropriations and any acts inconsistent herewith; to provide provisional continuing appropriations; and to establish certain provisions, limitations and restrictions under which appropriations may be obligated and expended. This act makes appropriations for the purposes described above for the fiscal years beginning July 1, 2025, and July 1, 2026.