---
type: "Bill"
title: "A bill for an act providing for the deferral of unpaid installments and deferral charges for certain interest-bearing consumer credit transactions. (Formerly SSB 1016 and SF 177.) Effective 7-1-17."
description: "A bill for an act providing for the deferral of unpaid installments and deferral charges for certain interest-bearing consumer credit transactions. (Formerly SSB 1016 and SF 177.) Effective 7-1-17."
jurisdiction: "us/states/ia"
legislature: "Iowa General Assembly"
session: "2017-2018"
identifier: "SF 503"
citation: "Iowa SF 503 (2017-2018)"
classification: ["bill"]
subjects: ["consumer credit", "consumer credit code", "credit", "debts"]
status: "enacted"
primary_sponsors: []
version_count: 2
action_count: 13
vote_count: 2
first_action: "2017-04-07"
last_action: "2017-05-11"
source: "openstates"
source_identifier: "ocd-bill/d59cadff-262f-45ad-ba1c-8d59086cefe7"
source_url: "https://www.legis.iowa.gov/legislation/billTracking/billHistory?billName=SF 503&ga=87"
source_hash: "ab018ec2026e2b8e2cf11cdb4dc5fae3f369d7e8e76cbc8fcc57ced5af6341af"
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 503 (2017-2018) — A bill for an act providing for the deferral of unpaid installments and deferral charges for certain interest-bearing consumer credit transactions. (Formerly SSB 1016 and SF 177.) Effective 7-1-17.

## 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/87/attachments/SF503.html)
2. **Enrolled** (enrolled) — [source](https://www.legis.iowa.gov/docs/publications/LGE/87/attachments/SF503.html)

## Votes

- Shall the bill pass? — **49–0** (pass) · upper
- Shall the bill pass? — **95–4** (pass) · lower

## Timeline

The legislative action history — every referral, reading, and vote.

- **2017-04-07** Introduced, placed on Ways and Means calendar. `introduction`
- **2017-04-07** Committee report, approving bill.
- **2017-04-12** Passed Senate, ayes 49, nays none. `passage`
- **2017-04-12** Immediate message.
- **2017-04-13** Message from Senate.
- **2017-04-13** Read first time, passed on file. `reading-1`
- **2017-04-17** Substituted for HF 629.
- **2017-04-17** Passed House, ayes 95, nays 4. `passage`
- **2017-04-17** Immediate message.
- **2017-04-18** Message from House.
- **2017-04-25** Reported correctly enrolled, signed by President and Speaker.
- **2017-04-25** Sent to Governor. `executive-receipt`
- **2017-05-11** 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/d59cadff-262f-45ad-ba1c-8d59086cefe7`. Confidence: reported (aggregated from official Iowa legislature records).