All Roll Calls
Yes: 136 • No: 14
TennesseeHB 1127114th General Assembly (2025-2026)House
AN ACT to amend Tennessee Code Annotated, Title 35, relative to foreclosure notices.
Sponsored By: Sponsor information unavailable
Signed by Governor
Real Property
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Bill Overview
Analyzed Economic Effects
4 provisions identified: 3 benefits, 1 costs, 0 mixed.
Borrowers get mailed foreclosure sale notices
Beginning July 1, 2025, the party handling a Tennessee foreclosure sale must mail notice to borrowers and co-borrowers. Notices must use registered or certified mail, with a return receipt requested, by the first newspaper publication date. Borrower notices go to the property's mailing address, if any, and a different last-known or properly designated address. A designated address must be supplied in writing under the loan agreement at least 30 days before the first publication. A co-borrower's last-known or properly designated address is used only if it differs from both listed borrower and property addresses.
Borrowers get notice of delayed foreclosure sales
Beginning July 1, 2025, Tennessee foreclosure sales can be postponed one or more times unless the contract forbids it. The sale must occur within one year of its original date, without requiring another newspaper ad. Each new date and time must be announced at the scheduled sale and through the online posting company. Online notice is not required for a delay of less than five days after the original sale date. For delays over 30 days, borrowers and co-borrowers must be mailed notice at least 10 calendar days before the sale. That regular-mail notice must give the new date, time, and location, meaning the physical sale site or online bidding website.
Foreclosure ads appear online and in newspapers
Beginning July 1, 2025, Tennessee foreclosure sale ads must run twice in a newspaper published in the sale county. The first newspaper ad must run at least 20 days before the sale. A third-party company must also post the ad online for at least 20 continuous days, viewable by general internet users. The foreclosure notice must identify that company's website. Online publication is required when newspaper publication is unavailable, including when a printer refuses the legal publication rates. For debt of $200 or less, owners can choose written notices instead of newspaper ads; online posting remains required. Notices published under earlier contracts written into mortgages, deeds of trust, or other legal documents are exempt.
Foreclosure posting companies face new reporting duties
Beginning July 1, 2025, foreclosure posting companies must report their main website address before doing this work in Tennessee. They must submit it to the Secretary of State's publications division and promptly report address changes. The state must list these companies and their website addresses on its website. Companies can owe damages caused by failing to follow these reporting rules; the law sets no dollar amount.
Sponsors & Cosponsors
Sponsors
There is no primary sponsor on record.
Cosponsors
Aftyn Behn
Democrat • House
Rush Bricken
Republican • House
Roll Call Votes
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
Effective date(s) 07/01/2025
5/27/2025Pub. Ch. 515
5/27/2025Signed by Governor.
5/21/2025Transmitted to Governor for his action.
5/9/2025HouseSigned by Senate Speaker
5/8/2025SenateSigned by H. Speaker
4/30/2025HouseEnrolled; ready for sig. of H. Speaker.
4/23/2025HouseH. Placed on Message Calendar 4/22/2025
4/21/2025HousePassed Senate, Ayes 28, Nays 2, PNV 1
4/17/2025SenateAmendment withdrawn. (Amendment 1 - SA0184)
4/17/2025SenateAmendment withdrawn. (Amendment 2 - SA0350)
4/17/2025SenateSenate substituted House Bill for companion Senate Bill.
4/17/2025SenateReceived from House, Passed on First Consideration
4/16/2025SenateEngrossed; ready for transmission to Sen.
4/15/2025HousePassed H., as am., Ayes 83, Nays 10, PNV 2
4/15/2025HouseSponsor(s) Added.
4/15/2025HouseH. adopted am. (Amendment 1 - HA0382)
4/15/2025HouseH. Placed on Regular Calendar for 4/14/2025
4/10/2025HousePlaced on cal. Calendar & Rules Committee for 4/10/2025
4/9/2025HouseRec. for pass. if am., ref. to Calendar & Rules Committee
4/9/2025HousePlaced on cal. Judiciary Committee for 4/9/2025
4/2/2025HouseRec for pass if am by s/c ref. to Judiciary Committee
4/2/2025HousePlaced on s/c cal Civil Justice Subcommittee for 4/2/2025
3/26/2025HouseAction Def. in s/c Civil Justice Subcommittee to 4/2/2025
3/26/2025HousePlaced on s/c cal Civil Justice Subcommittee for 3/26/2025
3/19/2025House
Bill Text
HA0382 (Substitute)
4/15/2025
Enrolled / Public Chapter
Fiscal Note
Introduced
SA0184
SA0350
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