---
type: "Bill"
title: "Mortgage foreclosures provisions modifications; lenders and servicers loss mitigation requirements"
description: "Mortgage foreclosures provisions modifications; lenders and servicers loss mitigation requirements"
jurisdiction: "us/states/mn"
legislature: "Minnesota Legislature"
session: "2013-2014"
identifier: "SF 1276"
citation: "Minnesota SF 1276 (2013-2014)"
classification: ["bill"]
subjects: ["Banks and Financial Institutions", "Housing and Housing Finance Agency", "Legal Proceedings", "Mortgages and Deeds", "Real Estate"]
status: "enacted"
primary_sponsors: ["Torres Ray"]
version_count: 4
action_count: 20
vote_count: 0
first_action: "2013-03-11"
last_action: "2013-08-01"
source: "openstates"
source_identifier: "ocd-bill/d7fa2129-e781-41c4-b0a3-1904e4e5cfe4"
source_url: "https://www.revisor.mn.gov/bills/bill.php?b=Senate&f=SF1276&ssn=0&y=2013"
source_hash: "7d301ebda9ce58d27c24947a6db2ea1080421d37cebb95b72852833e9b13eebd"
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-mn"]
---

# Minnesota SF 1276 (2013-2014) — Mortgage foreclosures provisions modifications; lenders and servicers loss mitigation requirements

## Version chain

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

1. **1st Engrossment** (committee substitute) — [source](https://www.revisor.mn.gov/bills/text.php?number=SF1276&version=1&session=ls88&session_year=2013&session_number=0)
2. **2nd Engrossment** (committee substitute) — [source](https://www.revisor.mn.gov/bills/text.php?number=SF1276&version=2&session=ls88&session_year=2013&session_number=0)
3. **3rd Engrossment** (committee substitute) — [source](https://www.revisor.mn.gov/bills/text.php?number=SF1276&version=3&session=ls88&session_year=2013&session_number=0)
4. **Introduction** (committee substitute) — [source](https://www.revisor.mn.gov/bills/text.php?number=SF1276&version=0&session=ls88&session_year=2013&session_number=0)

## Sponsors

- Torres Ray — primary (person)
- Cohen — cosponsor (person)
- Freiberg — cosponsor (person)
- Goodwin — cosponsor (person)
- Hayden — cosponsor (person)
- Hortman — cosponsor (person)
- Latz — cosponsor (person)
- Newton — cosponsor (person)

## Timeline

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

- **2013-03-11** Introduction and first reading `introduction`
- **2013-03-11** Referred to Commerce `referral-committee`
- **2013-03-14** Comm report: To pass as amended and re-refer to Judiciary `committee-passage, referral-committee`
- **2013-03-20** Comm report: To pass as amended `committee-passage`
- **2013-03-20** Second reading `reading-2`
- **2013-05-16** Special Order: Amended
- **2013-05-16** Third reading Passed `passage`
- **2013-05-19** Returned from House
- **2013-05-22** Presentment date 05/22/13
- **2013-05-24** Governor's action Approval 05/24/13 `executive-signature`
- **2013-05-24** Secretary of State Chapter 115 05/24/13
- **2013-08-01** Effective date Sec. 1-5 08/01/13; Sec. 3, Sub. 6 10/31/13
- **2013-05-16** Received from Senate `introduction`
- **2013-05-16** Senate file first reading, referred for comparison HF1377
- **2013-05-17** Bills not identical, SF substituted on General Register
- **2013-05-17** Second reading `reading-2`
- **2013-05-17** House rule 1.21, placed on Calendar for the Day Sunday, May 19, 2013
- **2013-05-19** Third reading `reading-3`
- **2013-05-19** Bill was passed `passage`
- **2013-05-22** Presented to Governor 05/22/13 `executive-receipt`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/d7fa2129-e781-41c4-b0a3-1904e4e5cfe4`. Confidence: reported (aggregated from official Minnesota legislature records).