# Tennessee HB 0908: AN ACT to amend Tennessee Code Annotated, Title 45 and Title 47, relative to interest on home loans. Tennessee HB 0908, AN ACT to amend Tennessee Code Annotated, Title 45 and Title 47, relative to interest on home loans., is a 114th General Assembly (2025-2026) House bill sponsored by no sponsor on record; status signed, last action 2025-04-28 (Effective date(s) 07/01/2025); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/TN-HB0908-2025-2026 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Tennessee HB 0908 - State: Tennessee - Session: 114th General Assembly (2025-2026) - Title: AN ACT to amend Tennessee Code Annotated, Title 45 and Title 47, relative to interest on home loans. - Status: signed - Chamber: House - Introduced: 2025-02-04 - Last action: 2025-04-28, Effective date(s) 07/01/2025 - Sponsors: no sponsor on record - Cosponsors: 0 - Subjects: Interest Rates - Touches household money: yes - Roll calls: 6 (164 yes, 75 no in all) - Economic provisions PRIA read: 1 ## Summary No summary available. ## Bill overview: provisions PRIA read - Tennessee caps interest rates on home loans: benefit, medium. 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… ## Sponsors and cosponsors - (none) ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-04-07 | Senate | FLOOR VOTE: Third Consideration 4/7/2025 | pass | 24 | 5 | | | 2025-03-27 | House | FLOOR VOTE: MOTION TO RECALL FROM SENATE 3/27/2025 | fail | 23 | 70 | | | 2025-03-03 | House | FLOOR VOTE: CONSENT CALENDAR PASSAGE ON THIRD CONSIDERATION 3/3/2025 | pass | 90 | 0 | | | 2025-03-03 | House | HOUSE CALENDAR & RULES COMMITTEE | fail | 0 | 0 | | | 2025-02-26 | House | HOUSE COMMERCE COMMITTEE | pass | 22 | 0 | | | 2025-02-19 | House | HOUSE BANKING AND CONSUMER AFFAIRS SUBCOMMITTEE | pass | 5 | 0 | | ## Actions (26) - 2025-04-28: Effective date(s) 07/01/2025 - 2025-04-28: Pub. Ch. 290 - 2025-04-24: Signed by Governor. - 2025-04-16: Transmitted to Governor for his action. (House) - 2025-04-14: Signed by Senate Speaker (Senate) - 2025-04-10: Signed by H. Speaker (House) - 2025-04-08: Enrolled; ready for sig. of H. Speaker. (House) - 2025-04-07: Passed Senate, Ayes 24, Nays 5, PNV 1 (Senate) - 2025-04-04: Placed on Senate Regular Calendar for 4/7/2025 (Senate) - 2025-03-20: Senate Reset on calendar for 4/7/2025 (Senate) - 2025-03-18: Placed on Senate Regular Calendar for 3/20/2025 (Senate) - 2025-03-17: Senate Reset on calendar for 3/20/2025 (Senate) - 2025-03-17: Senate substituted House Bill for companion Senate Bill. (Senate) - 2025-03-06: Received from House, Passed on First Consideration (Senate) - 2025-03-04: Engrossed; ready for transmission to Sen. (House) - 2025-03-03: Passed H., Ayes 90, Nays 0, PNV 0 (House) - 2025-02-27: H. Placed on Consent Calendar for 3/3/2025 (House) - 2025-02-26: Placed on cal. Calendar & Rules Committee for 2/27/2025 (House) - 2025-02-26: Rec. for pass; ref to Calendar & Rules Committee (House) - 2025-02-19: Placed on cal. Commerce Committee for 2/26/2025 (House) - 2025-02-19: Rec. for pass by s/c ref. to Commerce Committee (House) - 2025-02-12: Placed on s/c cal Banking & Consumer Affairs Subcommittee for 2/19/2025 (House) - 2025-02-10: Assigned to s/c Banking & Consumer Affairs Subcommittee (House) - 2025-02-06: P2C, ref. to Commerce Committee (House) - 2025-02-05: Intro., P1C. (House) - 2025-02-04: Filed for introduction (House) ## Bill text - Enrolled / Public Chapter: [PDF](https://publications.tnsosfiles.com/acts/114/pub/pc0290.pdf) - Fiscal Note: [PDF](https://capitol.tn.gov/Bills/114/Fiscal/SB0749.pdf) - Introduced: [PDF](https://capitol.tn.gov/Bills/114/Bill/HB0908.pdf) ## 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… (failed) - HB 0489: AN ACT to amend Tennessee Code Annotated, Title 38; Title 39; Title 40 and Title 55, relative to criminal law. (failed) - HB 0162: AN ACT to amend Tennessee Code Annotated, Title 67, relative to taxes. (failed) - 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 t… (failed) - 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 an… (failed) - 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,… (signed) ## Sources - [Enrolled / Public Chapter (PDF)](https://publications.tnsosfiles.com/acts/114/pub/pc0290.pdf) - [Fiscal Note (PDF)](https://capitol.tn.gov/Bills/114/Fiscal/SB0749.pdf) - [Introduced (PDF)](https://capitol.tn.gov/Bills/114/Bill/HB0908.pdf) ## Related - [HB 0794: AN ACT to amend Tennessee Code Annotated, Title 4; Title 5; Title 6; Title 7; T…](https://policyrisk.com/state-bill/TN-HB0794-2025-2026) - [HB 0489: AN ACT to amend Tennessee Code Annotated, Title 38; Title 39; Title 40 and Titl…](https://policyrisk.com/state-bill/TN-HB0489-2025-2026) - [HB 0162: AN ACT to amend Tennessee Code Annotated, Title 67, relative to taxes.](https://policyrisk.com/state-bill/TN-HB0162-2025-2026) - [SB 2733: AN ACT to amend Chapter 33 of the Private Acts of 1985; as amended by Chapter 8…](https://policyrisk.com/state-bill/TN-SB2733-2025-2026) - [SB 2702: AN ACT to amend Chapter 154 of the Private Acts of 1955; as amended by Chapter…](https://policyrisk.com/state-bill/TN-SB2702-2025-2026) - [SB 2690: AN ACT to make appropriations for the purpose of defraying the expenses of the…](https://policyrisk.com/state-bill/TN-SB2690-2025-2026) - [Tennessee bills](https://policyrisk.com/states/tennessee/bills) - [Tennessee state hub](https://policyrisk.com/states/tennessee) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/TN-HB0908-2025-2026 (as of 2026-11-01).