republic-os/legislation/us/states/ia/2025-2026/sf-398.md

type, title, description, jurisdiction, legislature, session, identifier, citation, classification, subjects, status, primary_sponsors, version_count, action_count, vote_count, first_action, last_action, source, source_identifier, source_url, source_hash, vintage, source_snapshot, retrieved_at, confidence, tags

type	title	description	jurisdiction	legislature	session	identifier	citation	classification	subjects	status	primary_sponsors	version_count	action_count	vote_count	first_action	last_action	source	source_identifier	source_url	source_hash	vintage	source_snapshot	retrieved_at	confidence	tags
Bill	A bill for an act relating to closing costs for a debt secured by an interest in land.	A bill for an act relating to closing costs for a debt secured by an interest in land.	us/states/ia	Iowa General Assembly	2025-2026	SF 398	Iowa SF 398 (2025-2026)	bill	consumer loans creditors debts fees financial institutions interest loans mortgage bankers mortgages real property	enacted		7	22	3	2025-02-20	2025-05-06	openstates	ocd-bill/126599de-33b1-4cb7-bedd-678031228717	https://www.legis.iowa.gov/legislation/billTracking/billHistory?billName=SF 398&ga=91	f5a61287bb19095b10852aaf926d0fce0d34cacdf4c3d2b14a1fee4508da2c1c	2026-07-01	https://data.openstates.org/daily/2026-07-01/public.pgdump	2026-07-06	reported	legislation bill us-ia

Iowa SF 398 (2025-2026) — A bill for an act relating to closing costs for a debt secured by an interest in land.

Version chain

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

1. Introduced (filed) — source
2. Amendment H-1226 (committee substitute) — source
3. Amendment H-1240 (committee substitute) — source
4. Amendment S-3112 (committee substitute) — source
5. Enrolled with Governor's Action (committee substitute) — source
6. Signed Enrolled Bill (PDF) (committee substitute) — source
7. Enrolled (enrolled) — source

Votes

• Shall the bill pass? — 49–0 (pass) · upper
• Shall the bill pass? — 47–0 (pass) · upper
• Shall the bill pass? — 93–0 (pass) · lower

Sponsors

• COMMITTEE ON COMMERCE — primary (organization)

Timeline

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

• 2025-02-20 Introduced, placed on calendar. introduction
• 2025-02-20 Committee report, approving bill. committee-passage
• 2025-03-26 Passed Senate, yeas 47, nays 0. passage
• 2025-03-26 Immediate message.
• 2025-03-26 Message from Senate.
• 2025-03-26 Read first time, passed on file. reading-1
• 2025-04-03 Placed on calendar under unfinished business.
• 2025-04-14 Amendment H-1226 filed. amendment-introduction
• 2025-04-16 Amendment H-1240 filed. amendment-introduction
• 2025-04-17 Substituted for HF 512.
• 2025-04-17 Amendment H-1226 withdrawn.
• 2025-04-17 Amendment H-1240 adopted. amendment-passage
• 2025-04-17 Passed House, yeas 93, nays 0. passage
• 2025-04-24 Explanation of vote.
• 2025-04-17 Immediate message.
• 2025-04-21 Message from House, with amendment S-3112.
• 2025-04-28 Senate concurred with S-3112.
• 2025-04-28 Passed Senate, yeas 49, nays 0. passage
• 2025-04-28 Immediate message.
• 2025-04-29 Message from Senate.
• 2025-05-06 Reported correctly enrolled, signed by President and Speaker, and sent to Governor.
• 2025-05-06 Signed by Governor. executive-signature

Source

OpenStates / OpenCivicData bulk snapshot 2026-07-01; origin ocd-bill/126599de-33b1-4cb7-bedd-678031228717. Confidence: reported (aggregated from official Iowa legislature records).