All Roll Calls
Yes: 134 • No: 0
WyomingSF 312026 Budget SessionSenateWALLET
AN ACT relating to mortgages; implementing the Uniform Mortgage Modification Act; specifying the priority of mortgages; specifying applicability; and providing for an effective date.
Sponsored By: null Corporations
Signed by Governor
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Bill Overview
Analyzed Economic Effects
4 provisions identified: 1 benefits, 0 costs, 3 mixed.
Mortgage changes keep lien priority
Beginning July 1, 2026, certain mortgage changes keep the loan’s original lien priority. The existing mortgage still secures the debt after the change, even if you do not record it. The change is not treated as a new loan. Covered changes include lowering the interest rate, extending the term, switching between fixed and adjustable tied to a recognized index (without a rate increase that day), capitalizing unpaid interest, forgiving principal or interest, and adjusting escrow, insurance, financial covenants, or payment schedules that follow those changes. Changing the note, loan agreement, or a guaranty also counts as a mortgage modification under this law.
Condo and co-op fees excluded
Beginning July 1, 2026, the law defines a mortgage as a lien that secures payment on real property. It excludes liens that secure a unit owner’s condo, owners’ association, or co‑op dues, fees, or assessments. Those association charges are not treated as mortgages under this act.
Limits on what this law covers
Beginning July 1, 2026, the law leaves other rules in place, like recording rules, statutes of limitations, tax lien priority, the statute of frauds, and the state electronic transactions law. It usually does not change the priority rules for future advances. It does not cover releases or additions of property, changes to who owes the debt, or transfers of the mortgage or note. Courts should interpret this law to match other states and should not read it to cancel the validity or priority of mortgage changes that are not on the listed types.
Rules for e-signatures and notices
Beginning July 1, 2026, the law limits how the federal E‑SIGN law applies to mortgage changes under this act. It does not change E‑SIGN’s consumer consent rule at 15 U.S.C. § 7001(c). It also does not allow electronic delivery of the federal notices listed in 15 U.S.C. § 7003(b).
Sponsors & Cosponsors
Sponsor
null Corporations
Affiliation unavailable
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
House vote • 2/25/2026
H 3rd Reading:Passed 59-0-3-0-0
Yes: 59 • No: 0
House vote • 2/19/2026
H07 - Corporations:Recommend Do Pass 8-0-1-0-0
Yes: 8 • No: 0
Senate vote • 2/13/2026
S 3rd Reading:Passed 31-0-0-0-0
Yes: 31 • No: 0
Senate vote • 2/11/2026
S07 - Corporations:Recommend Amend and Do Pass 5-0-0-0-0
Yes: 5 • No: 0
House vote • 2/9/2026
S Introduced and Referred to S07 - Corporations 31-0-0-0-0
Yes: 31 • No: 0
Actions Timeline
Governor Signed SEA No. 0003
2/27/2026GovernorAssigned Chapter Number 6
2/27/2026H Speaker Signed SEA No. 0003
2/26/2026HouseH 3rd Reading:Passed 59-0-3-0-0
2/25/2026HouseAssigned Number SEA No. 0003
2/25/2026S President Signed SEA No. 0003
2/25/2026SenateH 2nd Reading:Passed
2/24/2026HouseH COW:Passed
2/23/2026HouseH07 - Corporations:Recommend Do Pass 8-0-1-0-0
2/19/2026HouseH Placed on General File
2/19/2026HouseH Introduced and Referred to H07 - Corporations
2/16/2026HouseS 3rd Reading:Passed 31-0-0-0-0
2/13/2026SenateH Received for Introduction
2/13/2026HouseS 2nd Reading:Passed
2/12/2026SenateS07 - Corporations:Recommend Amend and Do Pass 5-0-0-0-0
2/11/2026SenateS Placed on General File
2/11/2026SenateS COW:Passed
2/11/2026SenateS Introduced and Referred to S07 - Corporations 31-0-0-0-0
2/9/2026SenateS Received for Introduction
1/5/2026SenateBill Number Assigned
12/31/2025
Bill Text
Engrossed
Enrolled
Introduced
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