---
type: "Bill"
title: "Mortgages - As enacted, enacts the \"Tennessee Reverse Mortgage Innovation Act.\" - Amends TCA Title 39, Chapter 15, Part 5; Title 45, Chapter 2, Part 12; Title 45, Chapter 20; Title 47, Chapter 30 and Title 67, Chapter 4, Part 4."
description: "Mortgages - As enacted, enacts the \"Tennessee Reverse Mortgage Innovation Act.\" - Amends TCA Title 39, Chapter 15, Part 5; Title 45, Chapter 2, Part 12; Title 45, Chapter 20; Title 47, Chapter 30 and Title 67, Chapter 4, Part 4."
jurisdiction: "us/states/tn"
legislature: "Tennessee General Assembly"
session: "114"
identifier: "HB 2382"
citation: "Tennessee HB 2382 (114)"
classification: ["bill"]
subjects: ["Mortgages"]
status: "enacted"
primary_sponsors: ["Vaughan"]
version_count: 3
action_count: 26
vote_count: 5
first_action: "2026-02-02"
last_action: "2026-05-26"
source: "openstates"
source_identifier: "ocd-bill/42b3a3b9-587d-40be-814c-0b7cc4cf0999"
source_url: "https://wapp.capitol.tn.gov/apps/BillInfo/Default?BillNumber=HB2382&ga=114"
source_hash: "62d9ce5633d07d541c171632902098b6177c75fcee6e87162735a7b94690611b"
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-tn"]
---

# Tennessee HB 2382 (114) — Mortgages - As enacted, enacts the "Tennessee Reverse Mortgage Innovation Act." - Amends TCA Title 39, Chapter 15, Part 5; Title 45, Chapter 2, Part 12; Title 45, Chapter 20; Title 47, Chapter 30 and Title 67, Chapter 4, Part 4.

## Version chain

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

1. **Amendment HA0661** (committee substitute) — [source](https://capitol.tn.gov/Bills/114/Amend/HA0661.pdf)
2. **Amendment SA1018** (committee substitute) — [source](https://capitol.tn.gov/Bills/114/Amend/SA1018.pdf)
3. **Current Version** (committee substitute) — [source](https://capitol.tn.gov/Bills/114/Bill/HB2382.pdf)

## Votes

- HOUSE BANKING AND CONSUMER AFFAIRS SUBCOMMITTEE: Rec for pass if am by s/c ref. to Commerce Committee 3/4/2026 Passed — **7–0** (pass) · lower
- FLOOR VOTE: Third Consideration 4/20/2026 Passed (1) — **26–4** (pass) · upper
- HOUSE COMMERCE COMMITTEE: Rec. for pass. if am., ref. to Calendar & Rules Committee 3/11/2026 Passed (3) — **19–2** (pass) · lower
- HOUSE CALENDAR & RULES COMMITTEE: H. Placed on Regular Calendar for 3/26/2026 3/19/2026 (2) — **0–0** (fail) · lower
- FLOOR VOTE: REGULAR CALENDAR AS AMENDED PASSAGE ON THIRD CONSIDERATION 3/26/2026 Passed (1) — **69–13** (pass) · lower

## Sponsors

- Vaughan — primary (person)

## Timeline

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

- **2026-02-02** Filed for introduction `filing`
- **2026-02-04** Intro., P1C. `introduction`
- **2026-02-05** Assigned to s/c Banking & Consumer Affairs Subcommittee `referral-committee`
- **2026-02-05** P2C, ref. to Commerce Committee `referral-committee`
- **2026-02-25** Placed on s/c cal Banking & Consumer Affairs Subcommittee for 3/4/2026
- **2026-03-04** Placed on cal. Commerce Committee for 3/11/2026
- **2026-03-04** Rec for pass if am by s/c ref. to Commerce Committee `referral-committee`
- **2026-03-11** Rec. for pass. if am., ref. to Calendar & Rules Committee `committee-passage-favorable`
- **2026-03-12** Sponsor(s) Added. `sponsorship`
- **2026-03-18** Placed on cal. Calendar & Rules Committee for 3/19/2026
- **2026-03-19** H. Placed on Regular Calendar for 3/26/2026
- **2026-03-26** Engrossed; ready for transmission to Sen. `receipt`
- **2026-03-26** Sponsor(s) Added. `sponsorship`
- **2026-03-26** Passed H., as am., Ayes 69, Nays 13, PNV 3 `passage`
- **2026-03-26** H. adopted am. (Amendment 1 - HA0661) `amendment-passage`
- **2026-03-30** Received from House, Passed on First Consideration `introduction`
- **2026-04-20** Passed Senate, Ayes 26, Nays 4, PNV 1 `passage`
- **2026-04-20** Amendment withdrawn. (Amendment 1 - SA1018)
- **2026-04-20** Senate substituted House Bill for companion Senate Bill. `substitution`
- **2026-04-23** Enrolled; ready for sig. of H. Speaker. `enrolled`
- **2026-04-30** Signed by H. Speaker `passage`
- **2026-05-05** Signed by Senate Speaker `passage`
- **2026-05-07** Transmitted to Governor for his action. `executive-receipt`
- **2026-05-19** Signed by Governor. `executive-signature`
- **2026-05-26** Effective date(s) 05/19/2026
- **2026-05-26** Pub. Ch. 1027

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/42b3a3b9-587d-40be-814c-0b7cc4cf0999`. Confidence: reported (aggregated from official Tennessee legislature records).