Legislation: batch D — NY OH OK OR PA RI SC SD TX UT

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

legislation/us/states/sc/2025-2026/s-780.md

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+---
+type: "Bill"
+title: "Consumer Home Loans"
+description: "AN ACT TO AMEND THE SOUTH CAROLINA CODE OF LAWS BY AMENDING SECTION 37-23-20, RELATING TO HIGH-COST AND CONSUMER HOME LOANS DEFINITIONS, SO AS TO PROVIDE THAT THE CONVENTIONAL MORTGAGE RATE MEANS THE AVERAGE PRIME OFFER RATE. - RATIFIED TITLE"
+jurisdiction: "us/states/sc"
+legislature: "South Carolina General Assembly"
+session: "2025-2026"
+identifier: "S 780"
+citation: "South Carolina S 780 (2025-2026)"
+classification: ["bill"]
+subjects: []
+status: "enacted"
+primary_sponsors: ["Gambrell"]
+version_count: 5
+action_count: 20
+vote_count: 2
+first_action: "2026-01-13"
+last_action: "2026-05-27"
+source: "openstates"
+source_identifier: "ocd-bill/bd8f2bb7-a8e2-4e13-9510-10fd2725407a"
+source_url: "https://www.scstatehouse.gov/billsearch.php?billnumbers=780&session=126&summary=B"
+source_hash: "9839c920d0fc0df88c79eecd8faf5f33a0953e7e79fb6ebc3883ce39ae63d9d2"
+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-sc"]
+---
+
+# South Carolina S 780 (2025-2026) — Consumer Home Loans
+
+AN ACT TO AMEND THE SOUTH CAROLINA CODE OF LAWS BY AMENDING SECTION 37-23-20, RELATING TO HIGH-COST AND CONSUMER HOME LOANS DEFINITIONS, SO AS TO PROVIDE THAT THE CONVENTIONAL MORTGAGE RATE MEANS THE AVERAGE PRIME OFFER RATE. - RATIFIED TITLE
+
+## Version chain
+
+The bill's text revisions, in order — the diff chain from filing to enrollment.
+
+1. **Filed** (filed) — [source](https://www.scstatehouse.gov/sess126_2025-2026/bills/780.htm)
+2. **01/13/2026** (committee substitute) — [source](https://www.scstatehouse.gov/sess126_2025-2026/prever/780_20260113.htm)
+3. **02/12/2026** (committee substitute) — [source](https://www.scstatehouse.gov/sess126_2025-2026/prever/780_20260212.htm)
+4. **04/30/2026** (committee substitute) — [source](https://www.scstatehouse.gov/sess126_2025-2026/prever/780_20260430.htm)
+5. **05/04/2026** (committee substitute) — [source](https://www.scstatehouse.gov/sess126_2025-2026/prever/780_20260504.htm)
+
+## Votes
+
+- 2nd Reading — **44–0** (pass) · upper
+- Passage of Bill — **98–0** (pass) · lower
+
+## Sponsors
+
+- Gambrell — primary (person)
+
+## Timeline
+
+The legislative action history — every referral, reading, and vote.
+
+- **2026-01-13** Introduced and read first time `introduction, reading-1`
+- **2026-01-13** Referred to Committee on Banking and Insurance `referral-committee`
+- **2026-02-12** Committee report: Favorable Banking and Insurance `committee-passage-favorable`
+- **2026-02-18** Read second time `reading-2`
+- **2026-02-18** Roll call Ayes-44 Nays-0
+- **2026-02-24** Read third time and sent to House `passage, reading-3`
+- **2026-02-25** Introduced and read first time `introduction, reading-1`
+- **2026-02-25** Referred to Committee on Labor, Commerce and Industry `referral-committee`
+- **2026-04-30** Committee report: Favorable Labor, Commerce and Industry `committee-passage-favorable`
+- **2026-05-04** Scrivener's error corrected
+- **2026-05-05** Debate adjourned until Wed., 5-6-26
+- **2026-05-06** Debate adjourned
+- **2026-05-07** Read second time `reading-2`
+- **2026-05-07** Roll call Yeas-98 Nays-0
+- **2026-05-07** Unanimous consent for third reading on next legislative day
+- **2026-05-08** Read third time and enrolled `passage, reading-3`
+- **2026-05-14** Ratified R 150
+- **2026-05-18** Signed By Governor `executive-signature`
+- **2026-05-27** Effective date 05/18/26
+- **2026-05-27** Act No. 171
+
+## Source
+
+OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/bd8f2bb7-a8e2-4e13-9510-10fd2725407a`. Confidence: reported (aggregated from official South Carolina legislature records).
+