---
type: "Bill"
title: "Residential Mortgage Loan Amendments"
description: "Residential Mortgage Loan Amendments"
jurisdiction: "us/states/ut"
legislature: "Utah Legislature"
session: "2025"
identifier: "HB 99"
citation: "Utah HB 99 (2025)"
classification: ["bill"]
subjects: ["Business", "Mortgage/Deed of Trust", "Real Property"]
status: "enacted"
primary_sponsors: ["Bennion, Gay Lynn"]
version_count: 9
action_count: 37
vote_count: 0
first_action: "2025-01-03T23:27:00+00:00"
last_action: "2025-03-25T23:56:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/bdadb91d-b2c2-404c-9c90-b209e17a4e65"
source_url: "https://le.utah.gov/~2025/bills/static/HB0099.html"
source_hash: "a1904c7a49d1a4f33628a7d51ef31fc315eaa051bd16fa9d309939c038316d3f"
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-ut"]
---

# Utah HB 99 (2025) — Residential Mortgage Loan Amendments

## Version chain

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

1. **Introduced** (filed) — [source](https://le.utah.gov/Session/2025/bills/introduced/HB0099.xml)
2. **Amended 2/6/2025 11:02:239** (committee substitute) — [source](https://le.utah.gov/Session/2025/bills/amended/AV_HB0099_2025-02-06_11-49-03.pdf)
3. **Amended Excerpts 2/6/2025 11:02:239** (committee substitute) — [source](https://le.utah.gov/Session/2025/bills/amended/AP_HB0099_2025-02-06_11-49-03.pdf)
4. **House Amendment 1** (committee substitute) — [source](https://le.utah.gov/Session/2025/bills/amended/HB0099.Hamd.1.pdf)
5. **House Committee Report** (committee substitute) — [source](https://le.utah.gov/Session/2025/comreport/HB099H10.pdf)
6. **House Transmittal Letter 1** (committee substitute) — [source](https://le.utah.gov/Session/2025/transmit/HB099H10.pdf)
7. **Senate Committee Report** (committee substitute) — [source](https://le.utah.gov/Session/2025/comreport/HB099S10.pdf)
8. **Senate Transmittal Letter 1** (committee substitute) — [source](https://le.utah.gov/Session/2025/transmit/HB099S10.pdf)
9. **Enrolled** (enrolled) — [source](https://le.utah.gov/Session/2025/bills/enrolled/HB0099.xml)

## Sponsors

- Bennion, Gay Lynn — primary (person)
- Harper, Wayne A. — cosponsor (person)

## Timeline

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

- **2025-01-03T23:27:00+00:00** Bill Numbered but not Distributed
- **2025-01-03T23:27:00+00:00** Numbered Bill Publicly Distributed
- **2025-01-15T19:51:00+00:00** House/ received bill from Legislative Research `receipt`
- **2025-01-21T16:08:00+00:00** House/ received fiscal note from Fiscal Analyst `receipt`
- **2025-01-21T18:18:00+00:00** House/ 1st reading (Introduced)
- **2025-01-21T18:33:00+00:00** House/ to standing committee `referral-committee`
- **2025-01-28T21:42:00+00:00** House Comm - Favorable Recommendation `committee-passage-favorable`
- **2025-01-29T18:08:00+00:00** House/ committee report favorable `committee-passage-favorable`
- **2025-01-29T18:08:00+00:00** House/ 2nd reading
- **2025-02-06T18:36:00+00:00** House/ 3rd reading
- **2025-02-06T18:37:00+00:00** House/ floor amendment
- **2025-02-06T18:40:00+00:00** House/ passed 3rd reading `passage`
- **2025-02-06T18:40:00+00:00** House/ to Senate
- **2025-02-06T23:53:00+00:00** Senate/ received from House `receipt`
- **2025-02-07T18:13:00+00:00** Senate/ 1st reading (Introduced)
- **2025-02-13T17:24:00+00:00** Senate/ to standing committee `referral-committee`
- **2025-02-14T15:30:00+00:00** Senate Comm - Favorable Recommendation `committee-passage-favorable`
- **2025-02-14T17:27:00+00:00** Senate/ committee report favorable `committee-passage-favorable`
- **2025-02-14T17:27:00+00:00** Senate/ placed on 2nd Reading Calendar
- **2025-02-19T22:22:00+00:00** Senate/ 2nd reading
- **2025-02-19T22:23:00+00:00** Senate/ circled
- **2025-02-19T22:48:00+00:00** Senate/ uncircled
- **2025-02-19T22:49:00+00:00** Senate/ passed 2nd reading `reading-2`
- **2025-02-19T22:50:00+00:00** Senate/ 3rd reading
- **2025-02-19T22:50:00+00:00** Senate/ placed on 3rd Reading Calendar table
- **2025-02-28T22:19:00+00:00** Senate/ passed 3rd reading `passage`
- **2025-02-28T22:19:00+00:00** Senate/ signed by President/ returned to House `passage`
- **2025-02-28T22:19:00+00:00** Senate/ to House
- **2025-03-03T17:09:00+00:00** House/ received from Senate `receipt`
- **2025-03-03T17:09:00+00:00** House/ signed by Speaker/ sent for enrolling `passage`
- **2025-03-04T18:42:00+00:00** Bill Received from House for Enrolling
- **2025-03-04T18:42:00+00:00** Draft of Enrolled Bill Prepared
- **2025-03-08T03:18:00+00:00** Enrolled Bill Returned to House or Senate `enrolled`
- **2025-03-08T03:18:00+00:00** House/ enrolled bill to Printing
- **2025-03-17T17:38:00+00:00** House/ received enrolled bill from Printing `receipt`
- **2025-03-17T17:38:00+00:00** House/ to Governor `executive-receipt`
- **2025-03-25T23:56:00+00:00** Governor Signed `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/bdadb91d-b2c2-404c-9c90-b209e17a4e65`. Confidence: reported (aggregated from official Utah legislature records).