---
type: "Bill"
title: "Debt settlement service providers regulation"
description: "Debt settlement service providers regulation"
jurisdiction: "us/states/mn"
legislature: "Minnesota Legislature"
session: "2021-2022"
identifier: "SF 1391"
citation: "Minnesota SF 1391 (2021-2022)"
classification: ["bill"]
subjects: ["Commerce and Commerce Department"]
status: "enacted"
primary_sponsors: ["Howe"]
version_count: 3
action_count: 23
vote_count: 0
first_action: "2021-02-25"
last_action: "2022-08-01"
source: "openstates"
source_identifier: "ocd-bill/869ac4ac-6c1b-413d-a6ec-5a6302bd1f86"
source_url: "https://www.revisor.mn.gov/bills/bill.php?b=Senate&f=SF1391&ssn=0&y=2021"
source_hash: "89178588bde0c3957e7d4ba7c233c048ffdd2010cb3ba730b1da9fbafcc6d872"
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 1391 (2021-2022) — Debt settlement service providers regulation

## 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=SF1391&version=1&session=ls92&session_year=2021&session_number=0)
2. **2nd Engrossment** (committee substitute) — [source](https://www.revisor.mn.gov/bills/text.php?number=SF1391&version=2&session=ls92&session_year=2021&session_number=0)
3. **Introduction** (committee substitute) — [source](https://www.revisor.mn.gov/bills/text.php?number=SF1391&version=0&session=ls92&session_year=2021&session_number=0)

## Sponsors

- Howe — primary (person)
- Carlson — cosponsor (person)
- Rasmusson — cosponsor (person)

## Timeline

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

- **2021-02-25** Introduction and first reading `introduction`
- **2021-02-25** Referred to Commerce and Consumer Protection Finance and Policy `referral-committee`
- **2021-03-11** Comm report: To pass as amended `committee-passage`
- **2021-03-11** Second reading `reading-2`
- **2022-02-24** Comm report: To pass as amended `committee-passage`
- **2022-02-24** Second reading `reading-2`
- **2022-05-10** Special Order
- **2022-05-10** Third reading Passed `passage`
- **2022-05-18** Returned from House
- **2022-05-20** Presentment date 05/20/2022
- **2022-05-22** Governor's action Approval 05/22/2022 `executive-signature`
- **2022-05-22** Secretary of State Chapter 67 05/22/2022
- **2022-08-01** Effective date 08/01/22
- **2022-05-11** Received from Senate `introduction`
- **2022-05-11** Senate file first reading, referred for comparison HF2342
- **2022-05-12** Bills not identical, SF substituted on General Register
- **2022-05-12** Second reading `reading-2`
- **2022-05-16** House rule 1.21, placed on Calendar for the Day Tuesday, May 17, 2022
- **2022-05-17** Third reading `reading-3`
- **2022-05-17** Bill was passed `passage`
- **2022-05-20** Presented to Governor 05/20/2022 `executive-receipt`
- **2022-05-22** Governor approval 05/22/2022 `executive-signature`
- **2022-05-22** Secretary of State, Filed 05/22/2022

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/869ac4ac-6c1b-413d-a6ec-5a6302bd1f86`. Confidence: reported (aggregated from official Minnesota legislature records).