Fabio
82 lines
4.7 KiB
Markdown
82 lines
4.7 KiB
Markdown
---
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type: "Bill"
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title: "Financial institutions and consumer credit."
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description: "For purposes of the statutes governing: (1) first lien mortgage transactions; (2) the Uniform Consumer Credit Code; and (3) financial institutions; changes references to federal laws within those statutes from federal laws as in effect on December 31, 2019, to federal laws as in effect on December 31, 2020. Amends the statute concerning loans made by a credit union to the credit union's members to eliminate certain requirements with respect to loans secured by real estate. Amends the definition of \"check\" for purposes of the statute governing licensed cashers of checks to remove a reference to a \"personal money order\"."
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jurisdiction: "us/states/in"
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legislature: "Indiana General Assembly"
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session: "2021"
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identifier: "SB 346"
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citation: "Indiana SB 346 (2021)"
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classification: ["bill"]
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subjects: ["CONSUMER CREDIT AND PROTECTION (including UCCC)", "FINANCIAL INSTITUTIONS", "LOANS"]
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status: "enacted"
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primary_sponsors: ["Eric Bassler", "Jeff Raatz", "Lonnie Randolph", "Martin Carbaugh"]
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version_count: 4
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action_count: 19
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vote_count: 1
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first_action: "2021-01-11"
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last_action: "2021-04-15"
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source: "openstates"
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source_identifier: "ocd-bill/0a1a2eaf-6f7a-442b-8657-3bd24f314318"
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source_url: "http://iga.in.gov/legislative/2021/bills/senate/346"
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source_hash: "39e6988fc7994dd67b2a210466a5a2502f6e3434156241b58310c5e42ba32d5d"
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vintage: "2026-07-01"
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source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
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retrieved_at: "2026-07-06"
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confidence: "reported"
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tags: ["legislation", "bill", "us-in"]
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---
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# Indiana SB 346 (2021) — Financial institutions and consumer credit.
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For purposes of the statutes governing: (1) first lien mortgage transactions; (2) the Uniform Consumer Credit Code; and (3) financial institutions; changes references to federal laws within those statutes from federal laws as in effect on December 31, 2019, to federal laws as in effect on December 31, 2020. Amends the statute concerning loans made by a credit union to the credit union's members to eliminate certain requirements with respect to loans secured by real estate. Amends the definition of "check" for purposes of the statute governing licensed cashers of checks to remove a reference to a "personal money order".
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## Version chain
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The bill's text revisions, in order — the diff chain from filing to enrollment.
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1. **Enrolled Senate Bill (S)** (committee substitute) — [source](http://in-proxy.openstates.org/2021/bills/SB0346/versions/SB0346.04.ENRH)
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2. **Introduced Senate Bill (S)** (committee substitute) — [source](http://in-proxy.openstates.org/2021/bills/SB0346/versions/SB0346.01.INTR)
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3. **Senate Bill (H)** (committee substitute) — [source](http://in-proxy.openstates.org/2021/bills/SB0346/versions/SB0346.03.COMH)
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4. **Senate Bill (S)** (committee substitute) — [source](http://in-proxy.openstates.org/2021/bills/SB0346/versions/SB0346.02.COMS)
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## Votes
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- SB 346 - Carbaugh - 3rd Reading — **93–0** (pass) · lower
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## Sponsors
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- Eric Bassler — primary (person)
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- Jeff Raatz — primary (person)
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- Lonnie Randolph — primary (person)
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- Martin Carbaugh — primary (person)
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## Timeline
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The legislative action history — every referral, reading, and vote.
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- **2021-01-11** Authored by Senator Bassler
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- **2021-01-11** First reading: referred to Committee on Insurance and Financial Institutions `reading-1, referral-committee`
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- **2021-02-04** Senator Randolph added as third author
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- **2021-02-04** Committee report: do pass, adopted `committee-passage`
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- **2021-02-08** Second reading: ordered engrossed `reading-2`
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- **2021-02-09** House sponsor: Representative Carbaugh
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- **2021-02-09** Senator Raatz added as second author
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- **2021-02-09** Third reading: passed; Roll Call 90: yeas 47, nays 0 `passage, reading-3`
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- **2021-02-10** Referred to the House
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- **2021-03-02** First reading: referred to Committee on Financial Institutions and Insurance `reading-1, referral-committee`
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- **2021-03-23** Committee report: do pass, adopted `committee-passage`
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- **2021-03-25** Second reading: ordered engrossed `reading-2`
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- **2021-03-29** Third reading: passed; Roll Call 316: yeas 93, nays 0 `passage, reading-3`
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- **2021-03-30** Returned to the Senate without amendments
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- **2021-04-05** Signed by the President Pro Tempore
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- **2021-04-07** Signed by the Speaker
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- **2021-04-14** Signed by the President of the Senate
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- **2021-04-15** Public Law 54
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- **2021-04-15** Signed by the Governor `executive-signature`
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## Source
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OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/0a1a2eaf-6f7a-442b-8657-3bd24f314318`. Confidence: reported (aggregated from official Indiana legislature records).
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