---
type: "Bill"
title: "Mortgages; authorize lenders to mortgagors to make additional mortgage payments"
description: "Businesses & Financial Institutions"
jurisdiction: "us/states/al"
legislature: "Alabama Legislature"
session: "2026rs"
identifier: "HB 55"
citation: "Alabama HB 55 (2026rs)"
classification: ["bill"]
subjects: ["Businesses & Financial Institutions"]
status: "enacted"
primary_sponsors: ["Hollis"]
version_count: 5
action_count: 23
vote_count: 0
first_action: "2025-11-05T05:00:00+00:00"
last_action: "2026-04-16T04:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/a273a901-4be9-4f2e-8256-de0f1cf32080"
source_url: "https://alison.legislature.state.al.us/bill-search"
source_hash: "e433a3dc1884e9ef24231e27a24f91e75160cd9deceb18d0ed999aca4a09e3e1"
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-al"]
---

# Alabama HB 55 (2026rs) — Mortgages; authorize lenders to mortgagors to make additional mortgage payments

Businesses & Financial Institutions

## Version chain

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

1. **Introduced** (filed) — [source](https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB55-int.pdf)
2. **Engrossed** (committee substitute) — [source](https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB55-eng.pdf)
3. **Motion to Adopt - Adopted Roll Call 704** (committee substitute) — [source](https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/EJWTT2C-1.pdf)
4. **Motion to Adopt - Adopted Roll Call 705** (committee substitute) — [source](https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/ZQTTVRK-1.pdf)
5. **Enrolled** (enrolled) — [source](https://alison.legislature.state.al.us/files/pdf/SearchableInstruments/2026RS/HB55-enr.pdf)

## Sponsors

- Hollis — primary (person)

## Timeline

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

- **2025-11-05T05:00:00+00:00** Filed `filing`
- **2026-04-16T04:00:00+00:00** Enacted `became-law`
- **2026-04-09T04:00:00+00:00** Delivered to Governor `executive-receipt`
- **2026-04-09T04:00:00+00:00** Signature Requested
- **2026-04-09T04:00:00+00:00** Enrolled
- **2026-04-09T04:00:00+00:00** Ready to Enroll
- **2026-04-08T04:00:00+00:00** Motion to Read a Third Time and Pass - Adopted Roll Call 1287 `passage`
- **2026-03-17T04:00:00+00:00** Read for the Second Time and placed on the Calendar (Banking and Insurance)
- **2026-03-17T04:00:00+00:00** Reported Out of Committee Second House
- **2026-03-03T05:00:00+00:00** Pending Committee Action in Second House (Banking and Insurance)
- **2026-03-03T05:00:00+00:00** Read for the first time and referred to the Senate Committee on Banking and Insurance `reading-1, referral-committee`
- **2026-03-03T05:00:00+00:00** Engrossed
- **2026-03-03T05:00:00+00:00** Motion to Read a Third Time and Pass as Amended - Adopted Roll Call 706 `passage`
- **2026-03-03T05:00:00+00:00** Motion to Adopt - Adopted Roll Call 705
- **2026-03-03T05:00:00+00:00** Bolton 1st Amendment Offered `amendment-introduction`
- **2026-03-03T05:00:00+00:00** Motion to Adopt - Adopted Roll Call 704
- **2026-03-03T05:00:00+00:00** Financial Services 1st Substitute Offered (Financial Services) `amendment-introduction`
- **2026-03-03T05:00:00+00:00** Third Reading in House of Origin
- **2026-02-25T05:00:00+00:00** Read for the Second Time and placed on the Calendar (Financial Services)
- **2026-02-25T05:00:00+00:00** Reported Out of Committee House of Origin
- **2026-02-25T05:00:00+00:00** Financial Services 1st Substitute (Financial Services)
- **2026-01-13T05:00:00+00:00** Pending Committee Action in House of Origin (Financial Services)
- **2026-01-13T05:00:00+00:00** Read for the first time and referred to the House Committee on Financial Services `reading-1, referral-committee`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/a273a901-4be9-4f2e-8256-de0f1cf32080`. Confidence: reported (aggregated from official Alabama legislature records).