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---
type: "Bill"
title: "COMMERCIAL TRANSACTIONS Adds to existing law to provide for restrictions on actions arising from a regulated credit transaction primarily secured by a mortgage or deed of trust on residential real property."
description: "COMMERCIAL TRANSACTIONS Adds to existing law to provide for restrictions on actions arising from a regulated credit transaction primarily secured by a mortgage or deed of trust on residential real property."
jurisdiction: "us/states/id"
legislature: "Idaho Legislature"
session: "2022"
identifier: "S 1355"
citation: "Idaho S 1355 (2022)"
classification: ["bill"]
subjects: ["CIVIL ACTIONS", "DEBTORS AND CREDITORS", "HOMES AND HOUSING", "MORTGAGES", "REAL PROPERTY"]
status: "enacted"
primary_sponsors: []
version_count: 1
action_count: 16
vote_count: 2
first_action: "2022-02-28"
last_action: "2022-03-25"
source: "openstates"
source_identifier: "ocd-bill/4aa80a5d-2d84-43e0-8357-f489586de3df"
source_url: "https://legislature.idaho.gov/sessioninfo/2022/legislation/S1355/"
source_hash: "19174bed419601a1a6f4115e5ae907466ded7d6d8de8e84215fc74ea7c729d5f"
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-id"]
---
# Idaho S 1355 (2022) — COMMERCIAL TRANSACTIONS Adds to existing law to provide for restrictions on actions arising from a regulated credit transaction primarily secured by a mortgage or deed of trust on residential real property.
## Version chain
The bill's text revisions, in order — the diff chain from filing to enrollment.
1. **Bill Text** (committee substitute) — [source](https://legislature.idaho.gov/wp-content/uploads/sessioninfo/2022/legislation/S1355.pdf)
## Votes
- Read third time in full **350** (pass) · lower
- Read Third Time in Full **645** (pass) · upper
## Sponsors
- STATE AFFAIRS COMMITTEE — primary (organization)
## Timeline
The legislative action history — every referral, reading, and vote.
- **2022-02-28** Introduced; read first time; referred to JR for Printing `introduction`
- **2022-03-01** Reported Printed; referred to Commerce & Human Resources
- **2022-03-03** Reported out of Committee with Do Pass Recommendation; Filed for second reading `committee-passage-favorable`
- **2022-03-04** Read second time; filed for Third Reading
- **2022-03-07** Read third time in full PASSED - 35-0-0AYES Agenbroad, Anthon, Bayer, Blair(Johnson), Burgoyne, Burtenshaw, Cook, Crabtree, Den Hartog, Grow, Guthrie, Harris, Heider, Lakey, Lee, Lent, Lodge, Martin, Nelson, Nye, Patrick, Rice, Ricks, Riggs, Semmelroth, Souza, Stennett, Thayn, VanOrden(Bair), Vick, Ward-Engelking, Winder, Wintrow, Woodward, ZitoNAYS NoneAbsent and excused NoneFloor Sponsor - WintrowTitle apvd - to House `passage, reading-3`
- **2022-03-08** Received from the Senate, Filed for First Reading
- **2022-03-08** Read First Time, Referred to Business
- **2022-03-15** Reported out of Committee with Do Pass Recommendation, Filed for Second Reading `committee-passage-favorable`
- **2022-03-16** Read second time; Filed for Third Reading
- **2022-03-17** Read Third Time in Full PASSED - 64-5-1AYES Adams, Addis, Amador, Andrus, Armstrong, Barbieri, Berch, Boyle, Bundy, Burns, Cannon, Chaney, Chew, Christensen, Clow, DeMordaunt, Dixon, Ehardt(Zollinger), Erickson, Ferch, Furniss, Gannon, Gestrin, Gibbs, Giddings, Green, Hanks, Harris, Hartgen, Holtzclaw, Horman, Kauffman, Kerby, Kingsley, Lickley, Manwaring, Marshall, Mathias, McCann, McCrostie, Mendive, Monks, Moon, Moyle, Nash, Nate, Necochea, Nichols, Okuniewicz, Rubel, Ruchti, Scott, Skaug, Syme, Toone, Troy, Vander Woude, Weber, Wisniewski, Wood, Yamamoto, Young, Youngblood, Mr. SpeakerNAYS Crane, Galloway, Mitchell, Palmer, ShepherdAbsent BlanksmaFloor Sponsor - BerchTitle apvd - to Senate `passage, reading-3`
- **2022-03-18** Returned From House Passed; referred to enrolling
- **2022-03-18** Reported enrolled; signed by President; to House for signature of Speaker
- **2022-03-21** Received from Senate; Signed by Speaker; Returned to Senate
- **2022-03-21** Reported signed by the Speaker & ordered delivered to Governor
- **2022-03-22** Reported delivered to Governor at 8:10 a.m. on 03/22/22
- **2022-03-25** Signed by Governor on 03/23/22 Session Law Chapter 168 Effective: 07/01/2022 `executive-signature`
## Source
OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/4aa80a5d-2d84-43e0-8357-f489586de3df`. Confidence: reported (aggregated from official Idaho legislature records).