Legislation: batch A — AK AL AR AZ CO CT DE GA HI IA ID

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

legislation/us/states/ia/2025-2026/sf-398.md

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+---
+type: "Bill"
+title: "A bill for an act relating to closing costs for a debt secured by an interest in land."
+description: "A bill for an act relating to closing costs for a debt secured by an interest in land."
+jurisdiction: "us/states/ia"
+legislature: "Iowa General Assembly"
+session: "2025-2026"
+identifier: "SF 398"
+citation: "Iowa SF 398 (2025-2026)"
+classification: ["bill"]
+subjects: ["consumer loans", "creditors", "debts", "fees", "financial institutions", "interest", "loans", "mortgage bankers", "mortgages", "real property"]
+status: "enacted"
+primary_sponsors: []
+version_count: 7
+action_count: 22
+vote_count: 3
+first_action: "2025-02-20"
+last_action: "2025-05-06"
+source: "openstates"
+source_identifier: "ocd-bill/126599de-33b1-4cb7-bedd-678031228717"
+source_url: "https://www.legis.iowa.gov/legislation/billTracking/billHistory?billName=SF 398&ga=91"
+source_hash: "f5a61287bb19095b10852aaf926d0fce0d34cacdf4c3d2b14a1fee4508da2c1c"
+vintage: "2026-07-01"
+source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
+retrieved_at: "2026-07-06"
+confidence: "reported"
+tags: ["legislation", "bill", "us-ia"]
+---
+
+# Iowa SF 398 (2025-2026) — A bill for an act relating to closing costs for a debt secured by an interest in land.
+
+## Version chain
+
+The bill's text revisions, in order — the diff chain from filing to enrollment.
+
+1. **Introduced** (filed) — [source](https://www.legis.iowa.gov/docs/publications/LGI/91/attachments/SF398.html)
+2. **Amendment H-1226** (committee substitute) — [source](https://www.legis.iowa.gov/docs/publications/AMDI/91/H1226.pdf)
+3. **Amendment H-1240** (committee substitute) — [source](https://www.legis.iowa.gov/docs/publications/AMDI/91/H1240.pdf)
+4. **Amendment S-3112** (committee substitute) — [source](https://www.legis.iowa.gov/docs/publications/AMDI/91/S3112.pdf)
+5. **Enrolled with Governor's Action** (committee substitute) — [source](https://www.legis.iowa.gov/docs/publications/LGEG/91/attachments/SF398.html)
+6. **Signed Enrolled Bill (PDF)** (committee substitute) — [source](https://www.legis.iowa.gov/docs/publications/LGE/91/Attachments/SF398_GovLetter.pdf)
+7. **Enrolled** (enrolled) — [source](https://www.legis.iowa.gov/docs/publications/LGE/91/attachments/SF398.html)
+
+## Votes
+
+- Shall the bill pass? — **49–0** (pass) · upper
+- Shall the bill pass? — **47–0** (pass) · upper
+- Shall the bill pass? — **93–0** (pass) · lower
+
+## Sponsors
+
+- COMMITTEE ON COMMERCE — primary (organization)
+
+## Timeline
+
+The legislative action history — every referral, reading, and vote.
+
+- **2025-02-20** Introduced, placed on calendar. `introduction`
+- **2025-02-20** Committee report, approving bill. `committee-passage`
+- **2025-03-26** Passed Senate, yeas 47, nays 0. `passage`
+- **2025-03-26** Immediate message.
+- **2025-03-26** Message from Senate.
+- **2025-03-26** Read first time, passed on file. `reading-1`
+- **2025-04-03** Placed on calendar under unfinished business.
+- **2025-04-14** Amendment H-1226 filed. `amendment-introduction`
+- **2025-04-16** Amendment H-1240 filed. `amendment-introduction`
+- **2025-04-17** Substituted for HF 512.
+- **2025-04-17** Amendment H-1226 withdrawn.
+- **2025-04-17** Amendment H-1240 adopted. `amendment-passage`
+- **2025-04-17** Passed House, yeas 93, nays 0. `passage`
+- **2025-04-24** Explanation of vote.
+- **2025-04-17** Immediate message.
+- **2025-04-21** Message from House, with amendment S-3112.
+- **2025-04-28** Senate concurred with S-3112.
+- **2025-04-28** Passed Senate, yeas 49, nays 0. `passage`
+- **2025-04-28** Immediate message.
+- **2025-04-29** Message from Senate.
+- **2025-05-06** Reported correctly enrolled, signed by President and Speaker, and sent to Governor.
+- **2025-05-06** Signed by Governor. `executive-signature`
+
+## Source
+
+OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/126599de-33b1-4cb7-bedd-678031228717`. Confidence: reported (aggregated from official Iowa legislature records).
+