# Tennessee SB 2190: AN ACT to amend Tennessee Code Annotated, Title 39, Chapter 15, Part 5; Title 45, Chapter 2, Part 12; Title 45, Chapter 20; Title 47, Chapter 30 and Title 67, Chapter 4, Part 4, relative to reverse mortgages.

Tennessee SB 2190, AN ACT to amend Tennessee Code Annotated, Title 39, Chapter 15, Part 5; Title 45, Chapter 2, Part 12; Title 45, Chapter 20; Title 47, Chapter 30 and Title 67, Chapter 4, Part 4, relative to reverse mortgages., is a 114th General Assembly (2025-2026) Senate bill sponsored by no sponsor on record; status failed, last action 2026-05-26 (Comp. became Pub. Ch. 1027); PRIA reads it as touching household money (as of 2026-11-01).

- Canonical: https://policyrisk.com/state-bill/TN-SB2190-2025-2026
- As of: 2026-11-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Tennessee SB 2190
- State: Tennessee
- Session: 114th General Assembly (2025-2026)
- Title: AN ACT to amend Tennessee Code Annotated, Title 39, Chapter 15, Part 5; Title 45, Chapter 2, Part 12; Title 45, Chapter 20; Title 47, Chapter 30 and Title 67, Chapter 4, Part 4, relative to reverse mortgages.
- Status: failed
- Chamber: Senate
- Introduced: 2026-02-02
- Last action: 2026-05-26, Comp. became Pub. Ch. 1027
- Sponsors: no sponsor on record
- Cosponsors: 2
- Subjects: Mortgages
- Touches household money: yes
- Roll calls: 1 (8 yes, 0 no in all)
- Economic provisions PRIA read: 0

## Summary

No summary available.

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Cosponsor: Janice Bowling (Republican), Senate
- Cosponsor: Todd Gardenhire (Republican), Senate

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2026-04-07 | Senate | SENATE COMMERCE AND LABOR COMMITTEE | pass | 8 | 0 |   |

## Actions (15)

- 2026-05-26: Comp. became Pub. Ch. 1027
- 2026-04-20: Sponsor(s) Added. (Senate)
- 2026-04-20: Companion House Bill substituted (Senate)
- 2026-04-17: Sponsor(s) Added. (Senate)
- 2026-04-17: Placed on Senate Regular Calendar for 4/20/2026 (Senate)
- 2026-04-17: Placed on Senate Regular Calendar for 4/20/2026 (Senate)
- 2026-04-07: Recommended for passage with amendment/s, refer to Senate Calendar Committee Ayes 8, Nays 0 PNV 1 (Senate)
- 2026-04-01: Placed on Senate Commerce and Labor Committee calendar for 4/7/2026 (Senate)
- 2026-03-10: Action deferred in Senate Commerce and Labor Committee to 3/17/2026 (Senate)
- 2026-03-04: Placed on Senate Commerce and Labor Committee calendar for 3/10/2026 (Senate)
- 2026-03-03: Action deferred in Senate Commerce and Labor Committee to 3/10/2026 (Senate)
- 2026-02-24: Placed on Senate Commerce and Labor Committee calendar for 3/3/2026 (Senate)
- 2026-02-05: Passed on Second Consideration, refer to Senate Commerce and Labor Committee (Senate)
- 2026-02-02: Introduced, Passed on First Consideration (Senate)
- 2026-02-02: Filed for introduction (Senate)

## Bill text

- Enrolled / Public Chapter: [PDF](https://publications.tnsosfiles.com/acts/114/pub/pc1027.pdf)
- Fiscal Note: [PDF](https://capitol.tn.gov/Bills/114/Fiscal/SB2190.pdf)
- HA0661: [PDF](https://capitol.tn.gov/Bills/114/Amend/HA0661.pdf)
- Introduced: [PDF](https://capitol.tn.gov/Bills/114/Bill/SB2190.pdf)
- SA1018: [PDF](https://capitol.tn.gov/Bills/114/Amend/SA1018.pdf)

## Related bills

- SB 2213: AN ACT to amend Tennessee Code Annotated, Title 7; Title 13, Chapter 7; Title 65 and Title 68, relative to utilities. (signed)
- SB 2228: AN ACT to amend Tennessee Code Annotated, Title 4, Chapter 29; Title 5, Chapter 21; Title 8, Chapter 50, Part 8; Title 49, Chapter 10, Part 1; Title 49, Chapte… (failed)
- SB 2221: AN ACT to amend Tennessee Code Annotated, Title 71, Chapter 5, Part 15, relative to ambulances. (signed)
- SB 2224: AN ACT to amend Tennessee Code Annotated, Title 4, Chapter 29, Part 2; Title 20, Chapter 9, Part 6; Title 55, Chapter 17, Part 1; Title 62, Chapter 13; Title 6… (failed)
- SB 2229: AN ACT to amend Tennessee Code Annotated, Title 12, Chapter 4, Part 4, relative to the prevailing wage rate. (failed)
- SB 2177: AN ACT to amend Tennessee Code Annotated, Title 4; Title 8; Title 9 and Title 38, relative to compensation of law enforcement officers. (signed)

## Sources
- [Enrolled / Public Chapter (PDF)](https://publications.tnsosfiles.com/acts/114/pub/pc1027.pdf)
- [Fiscal Note (PDF)](https://capitol.tn.gov/Bills/114/Fiscal/SB2190.pdf)
- [HA0661 (PDF)](https://capitol.tn.gov/Bills/114/Amend/HA0661.pdf)
- [Introduced (PDF)](https://capitol.tn.gov/Bills/114/Bill/SB2190.pdf)
- [SA1018 (PDF)](https://capitol.tn.gov/Bills/114/Amend/SA1018.pdf)

## Related
- [SB 2213: AN ACT to amend Tennessee Code Annotated, Title 7; Title 13, Chapter 7; Title 6…](https://policyrisk.com/state-bill/TN-SB2213-2025-2026)
- [SB 2228: AN ACT to amend Tennessee Code Annotated, Title 4, Chapter 29; Title 5, Chapter…](https://policyrisk.com/state-bill/TN-SB2228-2025-2026)
- [SB 2221: AN ACT to amend Tennessee Code Annotated, Title 71, Chapter 5, Part 15, relativ…](https://policyrisk.com/state-bill/TN-SB2221-2025-2026)
- [SB 2224: AN ACT to amend Tennessee Code Annotated, Title 4, Chapter 29, Part 2; Title 20…](https://policyrisk.com/state-bill/TN-SB2224-2025-2026)
- [SB 2229: AN ACT to amend Tennessee Code Annotated, Title 12, Chapter 4, Part 4, relative…](https://policyrisk.com/state-bill/TN-SB2229-2025-2026)
- [SB 2177: AN ACT to amend Tennessee Code Annotated, Title 4; Title 8; Title 9 and Title 3…](https://policyrisk.com/state-bill/TN-SB2177-2025-2026)
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Source: PRIA, https://policyrisk.com/state-bill/TN-SB2190-2025-2026 (as of 2026-11-01).