---
type: "Bill"
title: "AN ACT RELATING TO PROPERTY -- MORTGAGES OF REAL PROPERTY"
description: "Limits mortgage prepayment rules to mortgages on owner-occupied properties with one to four (4) dwelling units."
jurisdiction: "us/states/ri"
legislature: "Rhode Island General Assembly"
session: "2026"
identifier: "HB 8104"
citation: "Rhode Island HB 8104 (2026)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Caldwell", "McEntee", "O'Brien", "Spears"]
version_count: 1
action_count: 12
vote_count: 1
first_action: "2026-02-27"
last_action: "2026-06-26"
source: "openstates"
source_identifier: "ocd-bill/1ff85ecc-39cb-488b-a0d9-d3d94ba31515"
source_url: "https://status.rilegislature.gov/"
source_hash: "f1971b47824f5a1318ce9a2d9898d102eba4d0f14f47f5a1690849df1511b82a"
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-ri"]
---

# Rhode Island HB 8104 (2026) — AN ACT RELATING TO PROPERTY -- MORTGAGES OF REAL PROPERTY

Limits mortgage prepayment rules to mortgages on owner-occupied properties with one to four (4) dwelling units.

## Version chain

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

1. **8104 SUB A** (committee substitute) — [source](http://webserver.rilegislature.gov/BillText/BillText26/HouseText26/H8104A.pdf)

## Votes

- PASSAGE — **70–0** (pass) · lower

## Sponsors

- Caldwell — primary (person)
- McEntee — primary (person)
- O'Brien — primary (person)
- Spears — primary (person)

## Timeline

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

- **2026-02-27** 02/27/2026 Introduced, referred to House Judiciary `introduction, referral-committee`
- **2026-03-20** 03/20/2026 Scheduled for hearing and/or consideration (03/26/2026)
- **2026-03-26** 03/26/2026 Committee recommended measure be held for further study `committee-failure`
- **2026-05-29** 05/29/2026 Scheduled for consideration (06/03/2026)
- **2026-05-29** 05/29/2026 Proposed Substitute `substitution`
- **2026-06-03** 06/03/2026 Committee recommends passage of Sub A `committee-passage-favorable`
- **2026-06-05** 06/05/2026 Placed on House Calendar (06/08/2026) `reading-3`
- **2026-06-08** 06/08/2026 House passed Sub A `passage`
- **2026-06-08** 06/08/2026 Placed on Senate Calendar (06/10/2026) `reading-3`
- **2026-06-10** 06/10/2026 Senate passed Sub A in concurrence `passage`
- **2026-06-18** 06/18/2026 Transmitted to Governor `executive-receipt`
- **2026-06-26** 06/26/2026 Effective without Governor's signature `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/1ff85ecc-39cb-488b-a0d9-d3d94ba31515`. Confidence: reported (aggregated from official Rhode Island legislature records).