---
type: "Bill"
title: "Application of certain residential mortgage loan fees and penalties modified."
description: "Application of certain residential mortgage loan fees and penalties modified."
jurisdiction: "us/states/mn"
legislature: "Minnesota Legislature"
session: "2025-2026"
identifier: "HF 3437"
citation: "Minnesota HF 3437 (2025-2026)"
classification: ["bill"]
subjects: ["Banks and Financial Institutions", "Commerce Department", "Housing and Housing Finance Agency"]
status: "enacted"
primary_sponsors: ["Allen"]
version_count: 4
action_count: 27
vote_count: 2
first_action: "2026-02-17"
last_action: "2026-08-01"
source: "openstates"
source_identifier: "ocd-bill/8a1bf9b1-a8f7-4769-a9e7-46c985511835"
source_url: "https://www.revisor.mn.gov/bills/94/2026/0/HF/3437?list=open&body=House"
source_hash: "872eb5925cd2874a690d967e04235fb29607bce06e80e8f162b4d1f37ebfec67"
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 HF 3437 (2025-2026) — Application of certain residential mortgage loan fees and penalties modified.

## 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/94/2026/0/HF/3437/versions/1/)
2. **1st Unofficial Engrossment** (committee substitute) — [source](https://www.revisor.mn.gov/bills/94/2026/0/HF/3437/versions/ue/1/)
3. **2nd Engrossment** (committee substitute) — [source](https://www.revisor.mn.gov/bills/94/2026/0/HF/3437/versions/2/)
4. **Introduction** (committee substitute) — [source](https://www.revisor.mn.gov/bills/94/2026/0/HF/3437/versions/0/)

## Votes

- Repassage, as amended by the Senate — **133–0** (pass) · lower
- Passage — **133–0** (pass) · lower

## Sponsors

- Allen — primary (person)
- Duckworth — cosponsor (person)

## Timeline

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

- **2026-02-17** Introduction and first reading, referred to Commerce Finance and Policy `introduction, referral-committee`
- **2026-04-07** Committee report, to adopt as amended `committee-passage`
- **2026-04-07** Second reading `reading-2`
- **2026-04-09** House rule 1.21, placed on Calendar for the Day Monday, April 13, 2026
- **2026-04-13** Third reading `reading-3`
- **2026-04-13** Bill was passed `passage`
- **2026-04-22** House rule 1.15 (c), message requesting concurrence received
- **2026-04-23** Returned from Senate with amendment
- **2026-04-23** Motion to concur with Senate amendments
- **2026-04-23** Motion prevailed
- **2026-04-23** Third reading as amended by the Senate `reading-3`
- **2026-04-23** Bill was repassed as amended by the Senate
- **2026-04-28** Presented to Governor 04/28/2026 `executive-receipt`
- **2026-04-29** Governor approval 04/29/2026 `executive-signature`
- **2026-04-29** Secretary of State, Filed 04/29/2026
- **2026-04-14** Received from House `introduction`
- **2026-04-14** Introduction and first reading `introduction`
- **2026-04-14** Referred to Rules and Administration for comparison with SF4168, now on General Orders `referral-committee`
- **2026-04-15** Comm report: Rule 45-amend, subst. General Orders SF4168
- **2026-04-15** Second reading `reading-2`
- **2026-04-20** Special Order: Rule 45 amendment stricken
- **2026-04-20** Amended `amendment-passage`
- **2026-04-20** Third reading Passed as amended `passage`
- **2026-04-28** Presentment date 04/28/26
- **2026-04-29** Governor's action Approval 04/29/26 `executive-signature`
- **2026-04-29** Secretary of State Chapter 58 04/29/26
- **2026-08-01** Effective date 08/01/2026

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/8a1bf9b1-a8f7-4769-a9e7-46c985511835`. Confidence: reported (aggregated from official Minnesota legislature records).