---
type: "Bill"
title: "An Act To Protect Holders Of Distressed Mortgages From Fraud"
description: "An Act To Protect Holders Of Distressed Mortgages From Fraud"
jurisdiction: "us/states/me"
legislature: "Maine Legislature"
session: "132"
identifier: "LD 403"
citation: "Maine LD 403 (132)"
classification: ["bill"]
subjects: ["DEMAND LETTERS", "MORTGAGES", "REAL ESTATE"]
status: "enacted"
primary_sponsors: ["Daniel ANKELES"]
version_count: 3
action_count: 25
vote_count: 0
first_action: "2025-02-04"
last_action: "2025-06-12"
source: "openstates"
source_identifier: "ocd-bill/c1e6f585-3279-4fa2-aef9-bbdfaa37b5f0"
source_url: "https://legislature.maine.gov/LawMakerWeb/dockets.asp?ID=280096245"
source_hash: "a9056b8b5eb6e70723927901c16ebc0a114acca866a058eef208d8f0620c5900"
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-me"]
---

# Maine LD 403 (132) — An Act To Protect Holders Of Distressed Mortgages From Fraud

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Amendment C-A (H-557)** (committee substitute) — [source](http://www.mainelegislature.org/legis/bills/getPDF.asp?paper=HP0257&item=2&snum=132)
2. **Chapter 275** (committee substitute) — [source](http://www.mainelegislature.org/legis/bills/getPDF.asp?paper=HP0257&item=3&snum=132)
3. **LD 403 HP 257** (committee substitute) — [source](http://www.mainelegislature.org/legis/bills/getPDF.asp?paper=HP0257&item=1&snum=132)

## Sponsors

- Daniel ANKELES — primary (person)
- Kristi MATHIESON — cosponsor (person)
- Sally CLUCHEY — cosponsor (person)

## Timeline

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

- **2025-02-04** Committee on HEALTH COVERAGE, INSURANCE AND FINANCIAL SERVICES suggested and ordered printed.
- **2025-02-04** On motion of Representative MATHIESON of Kittery, the Bill was REFERRED to the Committee on JUDICIARY. `referral-committee`
- **2025-02-04** Sent for concurrence. ORDERED SENT FORTHWITH.
- **2025-02-04** The Bill was REFERRED to the Committee on JUDICIARY. `referral-committee`
- **2025-02-04** In concurrence. ORDERED SENT FORTHWITH.
- **2025-03-21** Carried over, in the same posture, to the next special or regular session of the 132nd Legislature, pursuant to Joint Order SP 519.
- **2025-06-09** Reports READ.
- **2025-06-09** On motion of Representative KUHN of Falmouth, the Majority Ought to Pass as Amended Report was ACCEPTED.
- **2025-06-09** The Bill was READ ONCE. `reading-1`
- **2025-06-09** Committee Amendment "A" (H-557) was READ and ADOPTED. `committee-passage-favorable, passage`
- **2025-06-09** Under suspension of the rules, the Bill was given its SECOND READING without REFERENCE to the Committee on Bills in the Second Reading.
- **2025-06-09** The Bill was PASSED TO BE ENGROSSED as Amended by Committee Amendment "A" (H-557). `reading-3`
- **2025-06-09** Sent for concurrence. ORDERED SENT FORTHWITH.
- **2025-06-09** Reports Read
- **2025-06-09** On motion by Senator CARNEY of Cumberland the Majority Ought to Pass as Amended Report ACCEPTED.
- **2025-06-09** Bill READ ONCE. `reading-1`
- **2025-06-09** Committee Amendment "A" (H-557) READ and ADOPTED. `committee-passage-favorable, passage`
- **2025-06-09** Under suspension of the Rules, READ A SECOND TIME and PASSED TO BE ENGROSSED AS AMENDED by Committee Amendment "A" (H-557) in concurrence. `reading-2, reading-3`
- **2025-06-10** PASSED TO BE ENACTED. `passage`
- **2025-06-10** Sent for concurrence. ORDERED SENT FORTHWITH.
- **2025-06-10** PASSED TO BE ENACTED, in concurrence. `passage`
- **2025-06-12** Signed by Governor `executive-signature`
- **2025-05-09T04:00:00+00:00** Work Session Held
- **2025-05-09T04:00:00+00:00** Voted - Divided Report
- **2025-06-06T04:00:00+00:00** Reported Out - OTP-AM/ONTP

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/c1e6f585-3279-4fa2-aef9-bbdfaa37b5f0`. Confidence: reported (aggregated from official Maine legislature records).