---
type: "Bill"
title: "Relating to loan form"
description: "Relating to loan form"
jurisdiction: "us/states/wv"
legislature: "West Virginia Legislature"
session: "2026"
identifier: "SB 427"
citation: "West Virginia SB 427 (2026)"
classification: ["bill"]
subjects: ["Banking and Finance"]
status: "enacted"
primary_sponsors: ["Morris"]
version_count: 4
action_count: 40
vote_count: 2
first_action: "2026-01-15"
last_action: "2026-06-25"
source: "openstates"
source_identifier: "ocd-bill/54c7ef97-8919-402b-8657-64b9d8763bbb"
source_url: "https://www.wvlegislature.gov/Bill_Status/Bills_history.cfm?input=427&year=2026&sessiontype=RS&btype=bill"
source_hash: "206aed28e2a3ad4823f8406d724d21aed525b24ae1e65c1a2d8b8364bb683997"
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-wv"]
---

# West Virginia SB 427 (2026) — Relating to loan form

## Version chain

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

1. **Enrolled Version** (committee substitute) — [source](https://www.wvlegislature.gov/Bill_Status/bills_text.cfm?billdoc=sb427%20enr.htm&yr=2026&sesstype=RS&i=427)
2. **Introduced Version** (committee substitute) — [source](https://www.wvlegislature.gov/Bill_Status/bills_text.cfm?billdoc=sb427%20intr.htm&yr=2026&sesstype=RS&i=427)
3. **sb427 h fin am _1 adopted adopted.htm** (committee substitute) — [source](https://www.wvlegislature.gov/legisdocs/chamber/2026/RS/com_amends/sb427%20h%20fin%20am%20_1%20adopted%20adopted.htm)
4. **sb427 h fin am _1 adopted.htm** (committee substitute) — [source](https://www.wvlegislature.gov/legisdocs/chamber/2026/RS/com_amends/sb427%20h%20fin%20am%20_1%20adopted.htm)

## Votes

- PASSAGE — **77–0** (pass) · lower
- Passage — **34–0** (pass) · upper

## Sponsors

- Morris — primary (person)
- Hamilton — cosponsor (person)

## Timeline

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

- **2026-01-15** Filed for introduction `filing`
- **2026-01-15** To Banking and Insurance then Finance `referral-committee`
- **2026-01-15** Introduced in Senate `introduction`
- **2026-01-15** To Banking and Insurance `referral-committee`
- **2026-01-22** Reported do pass, but first to Finance `committee-passage`
- **2026-01-22** To Finance `referral-committee`
- **2026-01-28** Reported do pass `committee-passage`
- **2026-01-29** On 1st reading
- **2026-01-29** Read 1st time `reading-1`
- **2026-01-30** On 2nd reading
- **2026-01-30** Read 2nd time `reading-2`
- **2026-02-02** On 3rd reading
- **2026-02-02** Read 3rd time `reading-3`
- **2026-02-02** Passed Senate (Roll No. 33) `passage`
- **2026-02-02** Ordered to House
- **2026-02-03** House received Senate message
- **2026-02-03** Introduced in House `introduction`
- **2026-02-03** To Finance `referral-committee`
- **2026-02-03** To House Finance `referral-committee`
- **2026-03-10** With amendment, do pass `committee-passage`
- **2026-03-11** On 1st reading, Special Calendar
- **2026-03-11** Read 1st time `reading-1`
- **2026-03-12** On 2nd reading, Special Calendar
- **2026-03-12** Read 2nd time `reading-2`
- **2026-03-12** Amendment reported by the Clerk
- **2026-03-12** Committee amendment adopted (Voice vote)
- **2026-03-13** On 3rd reading, Special Calendar
- **2026-03-13** Read 3rd time `reading-3`
- **2026-03-13** Passed House (Roll No. 527) `passage`
- **2026-03-13** Communicated to Senate
- **2026-03-14** House Message received
- **2026-03-14** Senate concurred in House amendments and passed bill (Roll No. 623)
- **2026-03-14** Communicated to House
- **2026-03-14** Completed legislative action
- **2026-03-18** To Governor 3/18/2026 `executive-receipt`
- **2026-03-14** To Governor 3/18/2026 - Senate Journal `executive-receipt`
- **2026-03-25** Approved by Governor 3/25/2026 `executive-signature`
- **2026-03-14** Approved by Governor 3/25/2026 - Senate Journal `executive-signature`
- **2026-03-14** Approved by Governor 3/25/2026 - House Journal `executive-signature`
- **2026-06-25** Chapter 53, Acts, Regular Session, 2026 `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/54c7ef97-8919-402b-8657-64b9d8763bbb`. Confidence: reported (aggregated from official West Virginia legislature records).