# Utah S.B. 230: Consumer Credit Amendments Utah S.B. 230, Consumer Credit Amendments, is a 2026 General Session Senate bill sponsored by Brady Brammer (Republican); status signed, last action 2026-03-23 (Governor Signed); PRIA reads it as touching household money (as of 2026-10-14). - Canonical: https://policyrisk.com/state-bill/UT-SB230-2026GS - As of: 2026-10-14 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Utah S.B. 230 - State: Utah - Session: 2026 General Session - Title: Consumer Credit Amendments - Status: signed - Chamber: Senate - Introduced: 2026-01-30 - Last action: 2026-03-23, Governor Signed - Sponsor: Brady Brammer (Republican) - Cosponsors: 1 - Subjects: Business, Commerce and Trade, Consumer Credit, Contracts and Obligations - Touches household money: yes - Roll calls: 6 (144 yes, 0 no in all) - Economic provisions PRIA read: 2 ## Summary No summary available. ## Bill overview: provisions PRIA read - Borrowers get debt balance rules in court: benefit, low. Beginning May 6, 2026, Utah law sets balance rules when creditors make closed-end consumer debt due early and obtain judgments. The creditor must calculate the balance as if the borrower paid in full on the judgment date. Any legally allowed offset is subtracted from the balance. The judgment still… - Borrowers generally cannot recover prepaid charges: cost, low. Beginning May 6, 2026, Utah borrowers generally cannot recover prepaid finance charges when paying closed-end consumer debt early. These are loans with a set repayment schedule, rather than revolving credit. A refund is allowed only if the borrower and creditor expressly agree to it. The law uses t… ## Sponsors and cosponsors - Sponsor: Brady Brammer (Republican), Senate - Cosponsor: Calvin Roberts (Republican), House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-03-04 | House | House/ passed 3rd reading | pass | 69 | 0 | | | 2026-02-27 | House | House Comm - Favorable Recommendation | pass | 9 | 0 | | | 2026-02-27 | House | House Comm - Consent Calendar Recommendation | pass | 9 | 0 | | | 2026-02-24 | Senate | Senate/ passed 3rd reading | pass | 25 | 0 | | | 2026-02-23 | Senate | Senate/ passed 2nd reading | pass | 25 | 0 | | | 2026-02-06 | Senate | Senate Comm - Favorable Recommendation | pass | 7 | 0 | | ## Actions (33) - 2026-03-23: Governor Signed - 2026-03-13: Senate/ to Governor (Senate) - 2026-03-13: Senate/ received enrolled bill from Printing (Senate) - 2026-03-11: Senate/ enrolled bill to Printing (Senate) - 2026-03-11: Enrolled Bill Returned to House or Senate - 2026-03-06: Draft of Enrolled Bill Prepared - 2026-03-06: Bill Received from Senate for Enrolling - 2026-03-04: Senate/ signed by President/ sent for enrolling (Senate) - 2026-03-04: Senate/ received from House (Senate) - 2026-03-04: House/ to Senate (House) - 2026-03-04: House/ signed by Speaker/ returned to Senate (House) - 2026-03-04: House/ passed 3rd reading (House) - 2026-03-04: House/ 3rd reading (House) - 2026-03-02: House/ 2nd reading (House) - 2026-03-02: House/ comm rpt/ placed on Consent Calendar (House) - 2026-02-27: House Comm - Consent Calendar Recommendation - 2026-02-27: House Comm - Favorable Recommendation - 2026-02-25: House/ to standing committee (House) - 2026-02-24: House/ 1st reading (Introduced) (House) - 2026-02-24: House/ received from Senate (House) - 2026-02-24: Senate/ to House (Senate) - 2026-02-24: Senate/ passed 3rd reading (Senate) - 2026-02-24: Senate/ 3rd reading (Senate) - 2026-02-23: Senate/ passed 2nd reading (Senate) - 2026-02-23: Senate/ 2nd reading (Senate) - 2026-02-09: Senate/ placed on 2nd Reading Calendar (Senate) - 2026-02-09: Senate/ committee report favorable (Senate) - 2026-02-06: Senate Comm - Favorable Recommendation - 2026-02-03: Senate/ received fiscal note from Fiscal Analyst (Senate) - 2026-02-03: Senate/ to standing committee (Senate) - 2026-02-02: Senate/ 1st reading (Introduced) (Senate) - 2026-02-02: Senate/ received bill from Legislative Research (Senate) - 2026-01-30: Numbered Bill Publicly Distributed ## Bill text - Enrolled, 2026-03-11: [PDF](https://le.utah.gov/Session/2026/bills/enrolled/SB0230.pdf) - Introduced, 2026-01-30: [PDF](https://le.utah.gov/Session/2026/bills/introduced/SB0230.pdf) ## Related bills - H.B. 94: Criminal Accounts Receivable Amendments (signed) - H.B. 101: Firearm Background Check Amendments (signed) - H.B. 178: School Zone Speeding Amendments (signed) - H.B. 134: Offender Transfer Amendments (signed) - H.B. 136: Unlicensed Driver Amendments (signed) - H.B. 220: Public Safety Data Amendments (signed) ## Sources - [Enrolled (PDF)](https://le.utah.gov/Session/2026/bills/enrolled/SB0230.pdf) - [Introduced (PDF)](https://le.utah.gov/Session/2026/bills/introduced/SB0230.pdf) ## Related - [H.B. 94: Criminal Accounts Receivable Amendments](https://policyrisk.com/state-bill/UT-HB94-2026GS) - [H.B. 101: Firearm Background Check Amendments](https://policyrisk.com/state-bill/UT-HB101-2026GS) - [H.B. 178: School Zone Speeding Amendments](https://policyrisk.com/state-bill/UT-HB178-2026GS) - [H.B. 134: Offender Transfer Amendments](https://policyrisk.com/state-bill/UT-HB134-2026GS) - [H.B. 136: Unlicensed Driver Amendments](https://policyrisk.com/state-bill/UT-HB136-2026GS) - [H.B. 220: Public Safety Data Amendments](https://policyrisk.com/state-bill/UT-HB220-2026GS) - [Utah bills](https://policyrisk.com/states/utah/bills) - [Utah state hub](https://policyrisk.com/states/utah) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/UT-SB230-2026GS (as of 2026-10-14).