2025 bills / H.B. 440
H.B. 440 Uniform Mortgage Modification Act (2025)
- Introduced
- House committee
- House vote
- Senate committee
- Senate vote (stopped here)
- Signed into law
What this bill does
AI summary from the official description
This bill adds a uniform set of rules listing the kinds of changes that can be made to a mortgage loan without materially harming people who hold interests in the property. It also sets out a legal safe harbor, meaning protection from challenge, for modifications that do not materially harm holders of junior interests such as second liens.
About this summary
Quotes come from the official recordings' automatic captions, and plain-English summaries are written by AI from the official record. A person reviews them, but always check the recording before quoting anyone; every quote links to its moment in the video.
Check the official text below.
Official description
- codifies the types of modifications that may be made to a mortgage loan that will not materially prejudice interest holders
- contains safe harbor provisions for mortgage modifications that do not materially prejudice the holders of a junior interest
Your legislators on this bill
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What members get
- An alert the day H.B. 440 is put on a committee agenda, with time and room, so you can be there to speak
- When H.B. 440 is rewritten, exactly which words changed
- Its hearings in your own calendar
- Your own scorecard: pick the side you favor and see how every legislator voted
Every vote
- 12 yes, 0 no, 4 absentHouse Business, Labor, and Commerce Committee: vote to approve it · Feb 13, 2025Who voted how
- 69 yes, 0 no, 6 absentFinal House vote · Feb 21, 2025Who voted how
- 4 yes, 0 no, 4 absentSenate Business and Labor Committee: vote to approve it · Feb 28, 2025Who voted how