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TennesseeHB 1127114th General Assembly (2025-2026)HouseWALLET

AN ACT to amend Tennessee Code Annotated, Title 35, relative to foreclosure notices.

Sponsored By: Andrew Farmer (Republican)

Became Law

Real Property

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Bill Overview

Analyzed Economic Effects

7 provisions identified: 6 benefits, 0 costs, 1 mixed.

Backup posting when newspapers won’t publish

Beginning July 1, 2025, if a sale cannot be advertised in a newspaper, the officer must post the sale with a third‑party internet posting company. If a printer refuses to publish at the rates set in state law, the officer must use written posted notices and post the ad online instead.

Foreclosure ads now in print and online

Beginning July 1, 2025, a foreclosure sale ad must run in a county newspaper at least twice. It must also be posted online by a third‑party site for at least 20 straight days, and be viewable to the public. The first newspaper ad must appear at least 20 days before the sale. The written notice must list the website where the ad is posted.

Rules for postponing a foreclosure sale

Beginning July 1, 2025, a sale can be postponed without new newspaper ads if it happens within 1 year of the original date. Each delay must set a new date and time, be posted online, and be announced at the sale. If the delay is 5 days or less, the online announcement is not required. If the delay is over 30 days, the new date, time, and location must be mailed at least 10 days before the sale. "Location" means the physical sale place or, if online, the bidding website.

Simpler notice for debts under $200

Beginning July 1, 2025, if the debt is $200 or less, the owner can skip newspaper ads. The owner may use written posted notices and an online posting instead.

Stronger mailed notice to owners

Beginning July 1, 2025, the trustee must mail the sale notice to the debtor and any co‑debtor on or before the first publication date. Send it by registered or certified mail, return receipt requested. Mail it to the property’s address and to any other address the debtor gave in writing at least 30 days earlier. For a co‑debtor, mail to their last known or designated address if it is different from the property and debtor addresses and was given at least 30 days earlier.

Posting websites must register with state

Beginning July 1, 2025, third‑party sites that post foreclosure ads must give the state their root website address before doing this work, and report any changes. The secretary of state lists these companies and websites online. A company can be liable for damages if it fails to follow these rules.

Older mortgage contracts keep notice terms

Beginning July 1, 2025, notices that follow a prior mortgage, deed of trust, or other contract can keep those contract notice methods. This protects earlier agreements. But it also means some parties will not get the new dual newspaper‑and‑online rules.

Sponsors & Cosponsors

Sponsor

  • Andrew Farmer

    Republican • House

Cosponsors

  • Aftyn Behn

    Democrat • House

  • Rush Bricken

    Republican • House

Roll Call Votes

All Roll Calls

Yes: 136 • No: 14

Senate vote • 4/17/2025

FLOOR VOTE: Third Consideration 4/17/2025

Yes: 28 • No: 2

House vote • 4/15/2025

FLOOR VOTE: REGULAR CALENDAR AS AMENDED PASSAGE ON THIRD CONSIDERATION 4/15/2025

Yes: 83 • No: 10

House vote • 4/14/2025

HOUSE CALENDAR & RULES COMMITTEE

Yes: 0 • No: 0

House vote • 4/9/2025

HOUSE JUDICIARY COMMITTEE

Yes: 20 • No: 1

House vote • 4/2/2025

HOUSE CIVIL JUSTICE SUBCOMMITTEE

Yes: 5 • No: 1

Actions Timeline

  1. Pub. Ch. 515

    5/27/2025

  2. Effective date(s) 07/01/2025

    5/27/2025

  3. Signed by Governor.

    5/21/2025

  4. Transmitted to Governor for his action.

    5/9/2025House

  5. Signed by Senate Speaker

    5/8/2025Senate

  6. Signed by H. Speaker

    4/30/2025House

  7. Enrolled; ready for sig. of H. Speaker.

    4/23/2025House

  8. H. Placed on Message Calendar 4/22/2025

    4/21/2025House

  9. Senate substituted House Bill for companion Senate Bill.

    4/17/2025Senate

  10. Amendment withdrawn. (Amendment 2 - SA0350)

    4/17/2025Senate

  11. Amendment withdrawn. (Amendment 1 - SA0184)

    4/17/2025Senate

  12. Passed Senate, Ayes 28, Nays 2, PNV 1

    4/17/2025Senate

  13. Received from House, Passed on First Consideration

    4/16/2025Senate

  14. H. adopted am. (Amendment 1 - HA0382)

    4/15/2025House

  15. Sponsor(s) Added.

    4/15/2025House

  16. Passed H., as am., Ayes 83, Nays 10, PNV 2

    4/15/2025House

  17. Engrossed; ready for transmission to Sen.

    4/15/2025House

  18. H. Placed on Regular Calendar for 4/14/2025

    4/10/2025House

  19. Rec. for pass. if am., ref. to Calendar & Rules Committee

    4/9/2025House

  20. Placed on cal. Calendar & Rules Committee for 4/10/2025

    4/9/2025House

  21. Rec for pass if am by s/c ref. to Judiciary Committee

    4/2/2025House

  22. Placed on cal. Judiciary Committee for 4/9/2025

    4/2/2025House

  23. Action Def. in s/c Civil Justice Subcommittee to 4/2/2025

    3/26/2025House

  24. Placed on s/c cal Civil Justice Subcommittee for 4/2/2025

    3/26/2025House

  25. Sponsor(s) Added.

    3/19/2025House

Bill Text

  • HA0382 (Substitute)

    4/15/2025

    PDF

  • Enrolled / Public Chapter

    PDF

  • Fiscal Note

    PDF

  • Introduced

    PDF

  • SA0184

    PDF

  • SA0350

    PDF

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