Fabio
85 lines
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Markdown
85 lines
4.0 KiB
Markdown
---
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type: "Bill"
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title: "A bill for an act relating to closing costs for a debt secured by an interest in land."
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description: "A bill for an act relating to closing costs for a debt secured by an interest in land."
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jurisdiction: "us/states/ia"
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legislature: "Iowa General Assembly"
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session: "2025-2026"
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identifier: "SF 398"
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citation: "Iowa SF 398 (2025-2026)"
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classification: ["bill"]
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subjects: ["consumer loans", "creditors", "debts", "fees", "financial institutions", "interest", "loans", "mortgage bankers", "mortgages", "real property"]
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status: "enacted"
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primary_sponsors: []
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version_count: 7
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action_count: 22
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vote_count: 3
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first_action: "2025-02-20"
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last_action: "2025-05-06"
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source: "openstates"
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source_identifier: "ocd-bill/126599de-33b1-4cb7-bedd-678031228717"
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source_url: "https://www.legis.iowa.gov/legislation/billTracking/billHistory?billName=SF 398&ga=91"
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source_hash: "f5a61287bb19095b10852aaf926d0fce0d34cacdf4c3d2b14a1fee4508da2c1c"
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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-ia"]
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---
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# Iowa SF 398 (2025-2026) — A bill for an act relating to closing costs for a debt secured by an interest in land.
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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. **Introduced** (filed) — [source](https://www.legis.iowa.gov/docs/publications/LGI/91/attachments/SF398.html)
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2. **Amendment H-1226** (committee substitute) — [source](https://www.legis.iowa.gov/docs/publications/AMDI/91/H1226.pdf)
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3. **Amendment H-1240** (committee substitute) — [source](https://www.legis.iowa.gov/docs/publications/AMDI/91/H1240.pdf)
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4. **Amendment S-3112** (committee substitute) — [source](https://www.legis.iowa.gov/docs/publications/AMDI/91/S3112.pdf)
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5. **Enrolled with Governor's Action** (committee substitute) — [source](https://www.legis.iowa.gov/docs/publications/LGEG/91/attachments/SF398.html)
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6. **Signed Enrolled Bill (PDF)** (committee substitute) — [source](https://www.legis.iowa.gov/docs/publications/LGE/91/Attachments/SF398_GovLetter.pdf)
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7. **Enrolled** (enrolled) — [source](https://www.legis.iowa.gov/docs/publications/LGE/91/attachments/SF398.html)
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## Votes
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- Shall the bill pass? — **49–0** (pass) · upper
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- Shall the bill pass? — **47–0** (pass) · upper
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- Shall the bill pass? — **93–0** (pass) · lower
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## Sponsors
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- COMMITTEE ON COMMERCE — primary (organization)
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## Timeline
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The legislative action history — every referral, reading, and vote.
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- **2025-02-20** Introduced, placed on calendar. `introduction`
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- **2025-02-20** Committee report, approving bill. `committee-passage`
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- **2025-03-26** Passed Senate, yeas 47, nays 0. `passage`
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- **2025-03-26** Immediate message.
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- **2025-03-26** Message from Senate.
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- **2025-03-26** Read first time, passed on file. `reading-1`
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- **2025-04-03** Placed on calendar under unfinished business.
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- **2025-04-14** Amendment H-1226 filed. `amendment-introduction`
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- **2025-04-16** Amendment H-1240 filed. `amendment-introduction`
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- **2025-04-17** Substituted for HF 512.
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- **2025-04-17** Amendment H-1226 withdrawn.
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- **2025-04-17** Amendment H-1240 adopted. `amendment-passage`
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- **2025-04-17** Passed House, yeas 93, nays 0. `passage`
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- **2025-04-24** Explanation of vote.
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- **2025-04-17** Immediate message.
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- **2025-04-21** Message from House, with amendment S-3112.
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- **2025-04-28** Senate concurred with S-3112.
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- **2025-04-28** Passed Senate, yeas 49, nays 0. `passage`
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- **2025-04-28** Immediate message.
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- **2025-04-29** Message from Senate.
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- **2025-05-06** Reported correctly enrolled, signed by President and Speaker, and sent to Governor.
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- **2025-05-06** Signed by 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/126599de-33b1-4cb7-bedd-678031228717`. Confidence: reported (aggregated from official Iowa legislature records).
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