House Bill 55
2026 Regular Session
Enacted
Bill Info and Details
Bill Details
| Subject | Businesses & Financial Institutions |
|---|---|
| Title | Mortgages; authorize lenders to mortgagors to make additional mortgage payments |
| Status | Enacted |
| Last Action | 4/16/2026 - House Enacted - 2026-513 |
| Committees | |
| First Read | 1/13/2026 |
| Prefiled | 11/5/2025 |
| Date | Body | Matter | Amd/Sub | Committee | Vote | Legislative Day |
|---|---|---|---|---|---|---|
4/16/2026 | House | Enacted | ||||
4/9/2026 | House | Delivered to Governor | 30 | |||
4/9/2026 | Senate | Signature Requested | 30 | |||
4/9/2026 | House | Enrolled | 30 | |||
4/9/2026 | House | Ready to Enroll | 30 | |||
4/8/2026 | Senate | Motion to Read a Third Time and Pass - Adopted Roll Call 1287 | R 1287 | 29 | ||
3/17/2026 | Senate | Read for the Second Time and placed on the Calendar | Banking and Insurance | 23 | ||
3/17/2026 | Senate | Reported Out of Committee Second House | 23 | |||
3/4/2026 | Senate | Pending Committee Action in Second House | Banking and Insurance | |||
3/4/2026 | Senate | Read for the first time and referred to the Senate Committee on Banking and Insurance | ||||
3/3/2026 | House | Engrossed | 18 | |||
3/3/2026 | House | Motion to Read a Third Time and Pass as Amended - Adopted Roll Call 706 | R 706 | 18 | ||
3/3/2026 | House | Motion to Adopt - Adopted Roll Call 705 | R 705 | 18 | ||
3/3/2026 | House | Bolton 1st Amendment Offered | 18 | |||
3/3/2026 | House | Motion to Adopt - Adopted Roll Call 704 | R 704 | 18 | ||
3/3/2026 | House | Financial Services 1st Substitute Offered | Financial Services | 18 | ||
3/3/2026 | House | Third Reading in House of Origin | R 703 | 18 | ||
2/25/2026 | House | Read for the Second Time and placed on the Calendar | Financial Services | 16 | ||
2/25/2026 | House | Reported Out of Committee House of Origin | 16 | |||
2/25/2026 | House | Financial Services 1st Substitute | Financial Services | 16 | ||
1/13/2026 | House | Pending Committee Action in House of Origin | Financial Services | 1 | ||
1/13/2026 | House | Read for the first time and referred to the House Committee on Financial Services | 1 |
Date
4/16/2026
Body
House
Matter
Enacted
Amd/Sub
Committee
Vote
Legislative Day
Date
4/9/2026
Body
House
Matter
Delivered to Governor
Amd/Sub
Committee
Vote
Legislative Day
30
Date
4/9/2026
Body
Senate
Matter
Signature Requested
Amd/Sub
Committee
Vote
Legislative Day
30
Date
4/9/2026
Body
House
Matter
Enrolled
Amd/Sub
Committee
Vote
Legislative Day
30
Date
4/9/2026
Body
House
Matter
Ready to Enroll
Amd/Sub
Committee
Vote
Legislative Day
30
Date
4/8/2026
Body
Senate
Matter
Motion to Read a Third Time and Pass - Adopted Roll Call 1287
Amd/Sub
Committee
Vote
R 1287
Legislative Day
29
Date
3/17/2026
Body
Senate
Matter
Read for the Second Time and placed on the Calendar
Amd/Sub
Committee
Banking and Insurance
Vote
Legislative Day
23
Date
3/17/2026
Body
Senate
Matter
Reported Out of Committee Second House
Amd/Sub
Committee
Vote
Legislative Day
23
Date
3/4/2026
Body
Senate
Matter
Pending Committee Action in Second House
Amd/Sub
Committee
Banking and Insurance
Vote
Legislative Day
Date
3/4/2026
Body
Senate
Matter
Read for the first time and referred to the Senate Committee on Banking and Insurance
Amd/Sub
Committee
Vote
Legislative Day
Date
3/3/2026
Body
House
Matter
Engrossed
Amd/Sub
Committee
Vote
Legislative Day
18
Date
3/3/2026
Body
House
Matter
Motion to Read a Third Time and Pass as Amended - Adopted Roll Call 706
Amd/Sub
Committee
Vote
R 706
Legislative Day
18
Date
3/3/2026
Body
House
Matter
Motion to Adopt - Adopted Roll Call 705
Amd/Sub
Committee
Vote
R 705
Legislative Day
18
Date
3/3/2026
Body
House
Matter
Bolton 1st Amendment Offered
Amd/Sub
Committee
Vote
Legislative Day
18
Date
3/3/2026
Body
House
Matter
Motion to Adopt - Adopted Roll Call 704
Amd/Sub
Committee
Vote
R 704
Legislative Day
18
Date
3/3/2026
Body
House
Matter
Financial Services 1st Substitute Offered
Amd/Sub
Committee
Financial Services
Vote
Legislative Day
18
Date
3/3/2026
Body
House
Matter
Third Reading in House of Origin
Amd/Sub
Committee
Vote
R 703
Legislative Day
18
Date
2/25/2026
Body
House
Matter
Read for the Second Time and placed on the Calendar
Amd/Sub
Committee
Financial Services
Vote
Legislative Day
16
Date
2/25/2026
Body
House
Matter
Reported Out of Committee House of Origin
Amd/Sub
Committee
Vote
Legislative Day
16
Date
2/25/2026
Body
House
Matter
Financial Services 1st Substitute
Amd/Sub
Committee
Financial Services
Vote
Legislative Day
16
Date
1/13/2026
Body
House
Matter
Pending Committee Action in House of Origin
Amd/Sub
Committee
Financial Services
Vote
Legislative Day
1
Date
1/13/2026
Body
House
Matter
Read for the first time and referred to the House Committee on Financial Services
Amd/Sub
Committee
Vote
Legislative Day
1
Act No.
2026-513Effective Date Certain
This act: (1) authorizes mortgage servicers to allow mortgagors to make biweekly mortgage payments, where any amount paid in excess must be applied to the loan principal; (2) authorizes mortgage servicers to allow mortgagors to make semimonthly payments in the amount of half of the monthly payment; (3) authorizes mortgage servicers to allow mortgagors, after notifying the servicer, to submit payments to reduce escrow shortages; and (4) only applies to consumer mortgages originated after October 1, 2026, that are secured by real property in the state.
Fiscal Notes
| Description |
|---|
Enacted |
Passed First Chamber |
Reported by First Chamber Committee |
Introduced |
Budget Isolation Resolutions
| BIR | Body | Date | Matter | Vote |
|---|---|---|---|---|
BIR71 | House | 3/3/2026 | Passed by House of Origin | R 703 |
BIR
BIR71
Body
House
Date
3/3/2026
Matter
Passed by House of Origin
Vote
R 703