republic-os/legislation/us/states/ky/2026rs/sb-157.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	AN ACT relating to total net income limits on loans secured by a mortgage.	Amend KRS 286.8-125 to exempt loans for which the total points and fees do not exceed the threshold set forth in 12 C.F.R. sec. 1026.43(e)(3) from total net income limits; make technical amendments; direct that the Act applies to contracts entered into on or after the effective date of the Act.	us/states/ky	Kentucky General Assembly	2026RS	SB 157	Kentucky SB 157 (2026RS)	bill	Banks And Financial Institutions Loans Credit Interest And Usury Real Estate	enacted	J. Howell	3	19	2	2026-02-03T05:00:00+00:00	2026-04-08T04:00:00+00:00	openstates	ocd-bill/bf95de8a-f06d-417e-95f1-2e4b793047e3	https://apps.legislature.ky.gov/record/26RS/sb157.html	d439987f2e0cbf171182953de52b33a3f469261e72edc48cb2a747896df191dc	2026-07-01	https://data.openstates.org/daily/2026-07-01/public.pgdump	2026-07-06	reported	legislation bill us-ky

Kentucky SB 157 (2026RS) — AN ACT relating to total net income limits on loans secured by a mortgage.

Amend KRS 286.8-125 to exempt loans for which the total points and fees do not exceed the threshold set forth in 12 C.F.R. sec. 1026.43(e)(3) from total net income limits; make technical amendments; direct that the Act applies to contracts entered into on or after the effective date of the Act.

Version chain

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

1. Introduced (filed) — source
2. Acts Chapter 57 (committee substitute) — source
3. Current/Final (committee substitute) — source

Votes

• Pass — 89–1 (pass) · upper
• PASS SB 157 — 38–0 (pass) · upper

Sponsors

• J. Howell — primary (person)

Timeline

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

• 2026-02-03T05:00:00+00:00 introduced in Senate introduction
• 2026-02-03T05:00:00+00:00 to Committee on Committees (S) referral-committee
• 2026-02-20T05:00:00+00:00 to Banking & Insurance (S) referral-committee
• 2026-02-24T05:00:00+00:00 reported favorably, 1st reading, to Calendar committee-passage
• 2026-02-25T05:00:00+00:00 2nd reading, to Rules reading-2
• 2026-02-25T05:00:00+00:00 posted for passage in the Regular Orders of the Day for Thursday, February 26 2026
• 2026-02-26T05:00:00+00:00 3rd reading, passed 38-0 passage, reading-3
• 2026-02-26T05:00:00+00:00 received in House
• 2026-02-26T05:00:00+00:00 to Committee on Committees (H) referral-committee
• 2026-03-13T04:00:00+00:00 to Banking & Insurance (H) referral-committee
• 2026-03-18T04:00:00+00:00 reported favorably, 1st reading, to Calendar committee-passage
• 2026-03-19T04:00:00+00:00 2nd reading, to Rules reading-2
• 2026-03-26T04:00:00+00:00 posted for passage in the Regular Orders of the Day for Friday, March 27 2026
• 2026-03-27T04:00:00+00:00 3rd reading, passed 89-1 passage, reading-3
• 2026-03-27T04:00:00+00:00 received in Senate
• 2026-03-27T04:00:00+00:00 enrolled, signed by President of the Senate passage
• 2026-03-27T04:00:00+00:00 enrolled, signed by Speaker of the House passage
• 2026-03-27T04:00:00+00:00 delivered to Governor
• 2026-04-08T04:00:00+00:00 signed by Governor (Acts Ch. 57) executive-signature

Source

OpenStates / OpenCivicData bulk snapshot 2026-07-01; origin ocd-bill/bf95de8a-f06d-417e-95f1-2e4b793047e3. Confidence: reported (aggregated from official Kentucky legislature records).