---
type: "Bill"
title: "SC Dodd-Frank Conformity"
description: "AN ACT TO AMEND SECTION 37-22-110, CODE OF LAWS OF SOUTH CAROLINA, 1976, RELATING TO DEFINITIONS APPLICABLE TO THE MORTGAGE LENDING LAWS OF THIS STATE, SO AS TO ESTABLISH CERTAIN CRITERIA A RETAILER OF MANUFACTURED OR MODULAR HOMES MUST MEET TO QUALIFY AS AN \"EXEMPT PERSON\"; AND TO AMEND SECTION 40-58-20, RELATING TO DEFINITIONS APPLICABLE TO THE LICENSING OF MORTGAGE BROKERS ACT, SO AS TO ESTABLISH CERTAIN CRITERIA A RETAILER OF MANUFACTURED OR MODULAR HOMES MUST MEET TO QUALIFY AS AN \"EXEMPT PERSON\". - ratified title"
jurisdiction: "us/states/sc"
legislature: "South Carolina General Assembly"
session: "2021-2022"
identifier: "S 637"
citation: "South Carolina S 637 (2021-2022)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Cromer"]
version_count: 4
action_count: 16
vote_count: 2
first_action: "2021-03-02"
last_action: "2022-05-31"
source: "openstates"
source_identifier: "ocd-bill/6029af9b-03ca-4d02-a31d-6a112707be89"
source_url: "https://www.scstatehouse.gov/billsearch.php?billnumbers=637&session=124&summary=B"
source_hash: "d376207314ef741c686cb0e56d17494365d233c56ac0b04bcd65f4a25505191f"
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-sc"]
---

# South Carolina S 637 (2021-2022) — SC Dodd-Frank Conformity

AN ACT TO AMEND SECTION 37-22-110, CODE OF LAWS OF SOUTH CAROLINA, 1976, RELATING TO DEFINITIONS APPLICABLE TO THE MORTGAGE LENDING LAWS OF THIS STATE, SO AS TO ESTABLISH CERTAIN CRITERIA A RETAILER OF MANUFACTURED OR MODULAR HOMES MUST MEET TO QUALIFY AS AN "EXEMPT PERSON"; AND TO AMEND SECTION 40-58-20, RELATING TO DEFINITIONS APPLICABLE TO THE LICENSING OF MORTGAGE BROKERS ACT, SO AS TO ESTABLISH CERTAIN CRITERIA A RETAILER OF MANUFACTURED OR MODULAR HOMES MUST MEET TO QUALIFY AS AN "EXEMPT PERSON". - ratified title

## Version chain

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

1. **Filed** (filed) — [source](https://www.scstatehouse.gov/sess124_2021-2022/bills/637.htm)
2. **2/23/2022** (committee substitute) — [source](https://www.scstatehouse.gov/sess124_2021-2022/prever/637_20220223.htm)
3. **3/2/2021** (committee substitute) — [source](https://www.scstatehouse.gov/sess124_2021-2022/prever/637_20210302.htm)
4. **4/28/2022** (committee substitute) — [source](https://www.scstatehouse.gov/sess124_2021-2022/prever/637_20220428.htm)

## Votes

- Passage of Bill — **105–0** (pass) · lower
- 2nd Reading — **42–0** (pass) · upper

## Sponsors

- Cromer — primary (person)

## Timeline

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

- **2021-03-02** Introduced and read first time `introduction, reading-1`
- **2021-03-02** Referred to Committee on Banking and Insurance `referral-committee`
- **2022-02-23** Committee report: Favorable Banking and Insurance `committee-passage-favorable`
- **2022-03-01** Read second time `reading-2`
- **2022-03-01** Roll call Ayes-42 Nays-0
- **2022-03-02** Read third time and sent to House `passage, reading-3`
- **2022-03-02** Introduced and read first time `introduction, reading-1`
- **2022-03-02** Referred to Committee on Labor, Commerce and Industry `referral-committee`
- **2022-04-28** Committee report: Favorable Labor, Commerce and Industry `committee-passage-favorable`
- **2022-05-04** Read second time `reading-2`
- **2022-05-04** Roll call Yeas-105 Nays-0
- **2022-05-05** Read third time and enrolled `passage, reading-3`
- **2022-05-12** Ratified R 174
- **2022-05-16** Signed By Governor `executive-signature`
- **2022-05-31** Effective date 05/16/22
- **2022-05-31** Act No. 173

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/6029af9b-03ca-4d02-a31d-6a112707be89`. Confidence: reported (aggregated from official South Carolina legislature records).