---
type: "Bill"
title: "A bill for an act relating to notice provisions in connection with designated consumer lending provisions. (Formerly SSB 3011.) Effective date: 07/01/2020."
description: "A bill for an act relating to notice provisions in connection with designated consumer lending provisions. (Formerly SSB 3011.) Effective date: 07/01/2020."
jurisdiction: "us/states/ia"
legislature: "Iowa General Assembly"
session: "2019-2020"
identifier: "SF 2198"
citation: "Iowa SF 2198 (2019-2020)"
classification: ["bill"]
subjects: ["accounts", "consumer affairs", "credit", "fees", "finance", "home equity lines of credit", "loans", "notices"]
status: "enacted"
primary_sponsors: []
version_count: 2
action_count: 14
vote_count: 2
first_action: "2020-02-10"
last_action: "2020-03-12"
source: "openstates"
source_identifier: "ocd-bill/72e780b6-8f82-41a7-a290-4ae78af70f42"
source_url: "https://www.legis.iowa.gov/legislation/billTracking/billHistory?billName=SF 2198&ga=88"
source_hash: "19e4eb34f3dbe5ffa967c0128a8c15ece860f9fb948fe27bc52da79d331546c9"
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 2198 (2019-2020) — A bill for an act relating to notice provisions in connection with designated consumer lending provisions. (Formerly SSB 3011.) Effective date: 07/01/2020.

## 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/88/attachments/SF2198.html)
2. **Enrolled** (enrolled) — [source](https://www.legis.iowa.gov/docs/publications/LGE/88/attachments/SF2198.html)

## Votes

- Shall the bill pass? — **50–0** (pass) · upper
- Shall the bill pass? — **98–0** (pass) · lower

## Timeline

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

- **2020-02-10** Introduced, placed on calendar, under Rule 28. `introduction`
- **2020-02-10** Committee report, approving bill.
- **2020-02-25** Passed Senate, yeas 50, nays 0. `passage`
- **2020-02-25** Immediate message.
- **2020-02-26** Message from Senate.
- **2020-02-26** Read first time, passed on file. `reading-1`
- **2020-03-03** Substituted for HF 2268.
- **2020-03-03** Passed House, yeas 98, nays none. `passage`
- **2020-03-09** Explanation of vote.
- **2020-03-10** Explanation of vote.
- **2020-03-03** Immediate message.
- **2020-03-03** Message from House.
- **2020-03-11** Reported correctly enrolled, signed by President and Speaker, and sent to Governor.
- **2020-03-12** 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/72e780b6-8f82-41a7-a290-4ae78af70f42`. Confidence: reported (aggregated from official Iowa legislature records).