---
type: "Bill"
title: "Prohibiting the assessment of a prepayment penalty against any party more than six months after the execution of a note evidencing a home loan made primarily for personal, family or household purposes secured by a real estate mortgage."
description: "Prohibiting the assessment of a prepayment penalty against any party more than six months after the execution of a note evidencing a home loan made primarily for personal, family or household purposes secured by a real estate mortgage."
jurisdiction: "us/states/ks"
legislature: "Kansas Legislature"
session: "2025-2026"
identifier: "HB 2497"
citation: "Kansas HB 2497 (2025-2026)"
classification: ["bill"]
subjects: ["Financial Institutions"]
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 19
vote_count: 0
first_action: "2026-01-21"
last_action: "2026-04-09"
source: "openstates"
source_identifier: "ocd-bill/cb46d55e-9f5d-43ee-a3a8-319e5651d308"
source_url: "https://www.kslegislature.gov/b2025_26/bills/HB2497/"
source_hash: "92e6cb759c0fcbca596b469b73d30de13bce586c0be425adf1b39fb64ded9e96"
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-ks"]
---

# Kansas HB 2497 (2025-2026) — Prohibiting the assessment of a prepayment penalty against any party more than six months after the execution of a note evidencing a home loan made primarily for personal, family or household purposes secured by a real estate mortgage.

## Version chain

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

1. **As Introduced** (filed) — [source](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2497/hb2497_00_0000.pdf)
2. **As Amended by Senate Committee** (committee substitute) — [source](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2497/hb2497_01_0000.pdf)
3. **Enrolled** (enrolled) — [source](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/hb_2497/hb2497_enrolled.pdf)

## Sponsors

- Committee on Financial Institutions and Pensions — primary (organization)

## Timeline

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

- **2026-04-09** Approved by Governor on Thursday, April 9, 2026 `executive-signature`
- **2026-04-09** Enrolled and presented to Governor on Friday, April 3, 2026
- **2026-04-09** Engrossed on Tuesday, March 31, 2026
- **2026-03-26** Conference Committee Report was adopted; Yea 74, Nay 51
- **2026-03-25** Conference Committee Report was adopted; Yea 32, Nay 8
- **2026-03-25** Conference committee report now available
- **2026-03-24** Motion to accede adopted; Sen. Brenda Dietrich, Sen. Michael Fagg and Sen. Silas Miller appointed as conferees
- **2026-03-23** Nonconcurred with amendments; Conference Committee requested; appointed Rep. Nick Hoheisel, Rep. Angela Stiens and Rep. Rui Xu
- **2026-03-19** Final Action - Passed as amended; Yea 36, Nay 4 `passage`
- **2026-03-18** Committee of the Whole - Be passed as amended `passage`
- **2026-03-18** Committee of the Whole - Committee Report be adopted `passage`
- **2026-03-17** Committee Report recommending bill be passed as amended by Senate Committee on Financial Institutions and Insurance `committee-passage-favorable`
- **2026-02-19** Referred to Senate Committee on Financial Institutions and Insurance `referral-committee`
- **2026-02-18** Received and Introduced `introduction`
- **2026-02-18** Final Action - Passed; Yea 87, Nay 37, Absent 1 `passage`
- **2026-02-17** Committee of the Whole - Be passed `passage`
- **2026-02-03** Committee Report recommending bill be passed by House Committee on Financial Institutions and Pensions `committee-passage-favorable`
- **2026-01-21** Referred to House Committee on Financial Institutions and Pensions `referral-committee`
- **2026-01-21** Introduced `introduction`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/cb46d55e-9f5d-43ee-a3a8-319e5651d308`. Confidence: reported (aggregated from official Kansas legislature records).