Real Property - Residential Foreclosures - Commencement Restrictions

Summary

The bill bars a lender from filing a foreclosure action until the later of 90 days after a default or 45 days after a required notice of intent to foreclose is sent. It adds extensive documentation, a $450 filing fee, and a ten‑year deadline for commencing a foreclosure, while allowing limited exceptions for fraud, never‑paid loans, destroyed or abandoned homes, and post‑bankruptcy defaults. The rules apply to mortgages and deeds of trust on residential property, defined as up to four single‑family units.

AI-generated summary — may be incomplete or inaccurate. Verify against the official bill text.

Hearings

• Economic Matters — Bill Hearing
  Economic Matters · Feb 19, 2026

History

1. Apr 13, 2026Motion Special Order until Later Today (Senator Henson) Adopted
2. Apr 13, 2026Favorable with Amendments Report by Judicial Proceedings
3. Apr 13, 2026Favorable with Amendments {
4. Mar 13, 2026Referred Judicial Proceedings
5. Mar 12, 2026Third Reading Passed
6. Mar 11, 2026Second Reading Passed with Amendments
7. Mar 11, 2026Favorable with Amendments {
8. Mar 10, 2026Favorable with Amendments Report by Economic Matters
9. Feb 3, 2026Hearing 2/19 at 1:00 p.m.
10. Jan 27, 2026First Reading Economic Matters

Sponsors

• D. Jones · sponsor
• Allen
• Bagnall
• Behler
• Chang
• Crutchfield
• Embry
• Feldmark
• Foley
• Fraser-Hidalgo
• Guyton
• Guzzone
• Hill
• Lehman
• Martinez
• Moon
• Moreno
• Palakovich Carr
• Pruski
• Roberts
• Ruff
• Solomon
• Stewart
• Toles
• Watson

And 1 more cosponsors.

Bill text

Opens the legislature’s own copy.

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Topics

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