Colorado 2026 Regular Session Status: Enacted 4 D cosponsors

HB 1089 — Uniform Mortgage Modification Act

Last action — Governor Signed

  1. ✓
    Introduced
  2. ✓
    In Committee
  3. ✓
    Passed House
  4. ✓
    Passed Senate
  5. ✓
    To Executive
  6. 6
    Enacted

This bill has been enacted into law. Introduced February 02, 2026. Enacted.

Signed by Governor Jared Polis (Democratic) on April 27, 2026.

Odds of enactment

High chance

Based on the sponsor, cosponsors, and committee posture, this bill has a high chance of becoming law.

Upgrade to see the exact probability and what's driving it.

A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Likely to advance 82% · moderate confidence

  • Enacted

    Current position in the legislative process.

  • 11 sponsors

    2 primary, 9 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (4 D).

  • Cleared a recorded vote

    Passed 4 recorded votes so far.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

Summary

The act enacts the 'Uniform Mortgage Modification Act', drafted by the Uniform Law Commission. The act provides that, in the event that a mortgage is modified:The mortgage continues to secure the obligation as modified;The modification does not affect the priority of the mortgage;A mortgage retains its priority regardless of whether a modification agreement is recorded; andThe modification is not a novation.(Note: This summary applies to this bill as enacted.)

Bill Text

What changed in the latest version

189 added · 224 removed

Plain-language change summary

The amendments added a note indicating that the bill has been prepared for the signatures of the relevant legislative officers and the Governor, and it advises checking the legislative status sheet or history for information on any actions taken by the Governor. This change clarifies the procedural status of the bill as it moves through the legislative process.

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Second Regular Session Seventy-fifth General Assembly STATE OF COLORADO REREVISED This Version Includes All Amendments Adopted in the Second House LLS NO.
NOTE:
26-0676.01 Yelana Love x2295 HOUSE BILL 26-1089 HOUSE SPONSORSHIP Espenoza, Bacon, Carter, Duran SENATE SPONSORSHIP Snyder, Carson, Coleman, Exum, Jodeh, Wallace, Weissman d d e 6 m 0 T n , A U 13 E i h House Committees Senate Committees S a a Judiciary Judiciary e M d d A BILL FOR AN ACT d e 2 C ONCERNING MORTGAGE MODIFICATIONS , AND , IN CONNECTION E a 2 A U 0 N n h THEREWITH , ENACTING THE "U NIFORM M ORTGAGE S d a e M M ODIFICATION A CT ".
This bill has been prepared for the signatures of the appropriate legislative officers and the Governor.
d Bill Summary d (Note:
To determine whether the Governor has signed the bill or taken other action on it, please consult the legislative status sheet, the legislative history, or the Session Laws.
This summary applies to this bill as introduced and does d notreflectanyamendmentsthatmaybesubsequentlyadopted.Ifthisbill e 2 E a 2 passes third reading in the house of introduction, a bill summary that S U 1 applies to the reengrossed version of this bill will be available at O n h H a r http://leg.colorado.gov.) e a r M Colorado Commission on Uniform State Laws.
HOUSE BILL 26-1089 BY REPRESENTATIVE(S) Espenoza, Bacon, Carter, Duran;
The bill enacts the "Uniform Mortgage Modification Act", drafted bythe Uniform Law Commission.
also SENATOR(S) Snyder, Carson, Exum, Jodeh, Wallace, Weissman, Coleman.
The bill provides that, in the event that a mortgage is g modified:
C ONCERNINGMORTGAGEMODIFICATIONS ,AND ,INCONNECTIONTHEREWITH , ENACTING THE "U NIFORM M ORTGAGE M ODIFICATIONA CT".
i 62 a 2 ! The mortgage continues to secure the obligation as S R 0 U d 1 H 2 c Shading denotes HOUSE amendment.
Double underlining denotes SENATE amendment.
e a Capital letters or bold & italic numbers indicate new material to be added to existing law.n M Dashes through the words or numbers indicate deletions from existing law.
e A modified;
! The modification does not affect the priority of the mortgage;
! A mortgage retains its priority regardless of whether a modification agreement is recorded;
and ! The modification is not a novation.
SECTION 1.
SECTION1.
In Colorado Revised Statutes, add article 40.5 to title 38 as follows:
InColoradoRevisedStatutes,addarticle40.5totitle as follows:
THIS ARTICLE40.5MAY BE CITED AS THE"U NIFORM M ORTGAGE M ODIFICATIONA CT".
T HIS ARTICLE40.5 MAY BE CITED AS THE "U NIFORM M ORTGAGE M ODIFICATION ACT ".
IN THIS ARTICL40.5:
________ Capital letters or bold & italic numbers indicate new material added to existing law;
(1) "ELECTRONIC "MEANS RELATING TO TECHNOLOGY HAVING ELECTRICAL , DIGITAL , MAGNETIC , WIRELESS , OPTICAL , ELECTROMAGNETIC ,OR SIMILAR CAPABILITI.S (2) "FINANCIAL COVENANT " MEANS AN UNDERTAKING TO DEMONSTRATE AN OBLIGOR 'S CREDITWORTHINESS OR THE ADEQUACY OF SECURITY PROVIDED BY AN OBLIGOR.
dashes through words or numbers indicate deletions from existing law and such material is not part of the act.
(3) "MODIFICATION"INCLUDESCHANGE ,AMENDMENT REVISION, CORRECTION ,ADDITION,SUPPLEMENTATION ,ELIMINATION,WAIVER,AND RESTATEMENT .
IN THIS ARTICLE40.5:
(4) "MORTGAGE ":
(1) "E LECTRONIC " MEANS RELATING TO TECHNOLOGY HAVING ELECTRICAL DIGITAL,MAGNETIC ,WIRELESS ,OPTICAL,ELECTROMAGNETIC , OR SIMILAR CAPABILITIE.
(A) M EANS AN AGREEMENT THAT CREATES A CONSENSUAL INTEREST IN REAL PROPERTY TO SECURE PAYMENT OR PERFORMANCE OF -2- 1089 AN OBLIGATION ,REGARDLESS OF:
(2) "FINANCIAL COVENANT " MEANS AN UNDERTAKING TO DEMONSTRATE AN OBLIGOR 'S CREDITWORTHINESS OR THE ADEQUACY OF SECURITY PROVIDED BY AN OBLIGOR .
(i) HOW THE AGREEMENT IS DENOMINATED , INCLUDING A MORTGAGE ,DEED OF TRUST,TRUST DEED ,SECURITY DEED,INDENTURE , AND DEED TO SECURE DEBT ;AND (ii) W HETHER THE AGREEMENT ALSO CREATES A SECURITY INTEREST IN PERSONAL PROPERTY;AND (B) DOES NOT INCLUDE AN AGREEMENT THAT CREATES A CONSENSUAL INTEREST TO SECURE A LIABILITY OWED BY A UNIT OWNER TO A CONDOMINIUM ASSOCIATION , OWNERS ' ASSOCIATION , OR COOPERATIVE HOUSING ASSOCIATION FOR ASSOCIATION DUES ,FEES,OR ASSESSMENTS .
(3) "M ODIFICATION" INCLUDES CHANGE ,AMENDMENT , REVISION, CORRECTION ,ADDITION ,SUPPLEMENTATION , ELIMINATION,WAIVER ,AND RESTATEMENT .
(5) "M ORTGAGE MODIFICATION "MEANS MODIFICATION OF:
(4) "M ORTGAGE ":
(A) M EANSANAGREEMENTTHATCREATESACONSENSUALINTEREST IN REAL PROPERTY TO SECURE PAYMENT OR PERFORMANCE OF AN OBLIGATION ,REGARDLESS OF:
(i) H OW THE AGREEMENT IS DENOMINATED , INCLUDING A MORTGAGE ,DEEDOFTRUST TRUSTDEED ,SECURITYDEED ,INDENTURE AND DEED TO SECURE DEBT ;AND (ii) HETHERTHEAGREEMENTALSOCREATESASECURITYINTEREST IN PERSONAL PROPERTY ;AND (B) DOES NOT INCLUDE AN AGREEMENT THAT CREATES A CONSENSUALINTEREST TO SECURE A LIABILITY OWED BY A UNIT OWNER TO A CONDOMINIUM ASSOCIATION ,OWNERS 'ASSOCIATION ,OR COOPERATIVE HOUSING ASSOCIATION FOR ASSOCIATION DUES ,FEES,OR ASSESSMENTS .
(5) "M ORTGAGE MODIFICATION "MEANS MODIFICATION OF :
(B) ANAGREEMENTTHATCREATESANOBLIGATION ,INCLUDINGA PROMISSORY NOTE ,LOAN AGREEMENT ,OR CREDIT AGREEMENT ;OR (C) A N AGREEMENT THAT CREATES OTHER SECURITY OR CREDIT ENHANCEMENT FOR AN OBLIGATION , INCLUDING AN ASSIGNMENT OF LEASES OR RENTS OR A GUARANTY .
(B) A N AGREEMENT THAT CREATES AN OBLIGATION ,INCLUDING A PROMISSORY NOTE ,LOAN AGREEMENT ,OR CREDIT AGREEMENT ;OR (C) A N AGREEMENT THAT CREATES OTHER SECURITY OR CREDIT PAGE 2-HOUSE BILL 26-1089 ENHANCEMENTFORANOBLIGATION ,INCLUDINGANASSIGNMENTOFLEASES OR RENTS OR A GUARANTY .
(6) "O BLIGATION" MEANS A DEBT ,DUTY ,OR OTHER LIABILITY SECURED BY A MORTGAGE .
(6) "O BLIGATION " MEANS A DEBT ,DUTY , OR OTHER LIABILITY SECURED BY A MORTGAGE .
(7) "OBLIGOR" MEANS A PERSON THAT:
(7) "OBLIGOR "MEANS A PERSON THAT :
(B) SIGNS A MORTGAGE ;OR (C) IOTHERWISEACCOUNTABLE ,ORWHOSEPROPERTYSERVESAS COLLATERAL ,FOR PAYMENT OR PERFORMANCE OF AN OBLIGATION .
(B) SIGNS A MORTGAGE ;OR (C) IS OTHERWISE ACCOUNTABLE ,OR WHOSE PROPERTY SERVES AS COLLATERAL ,FOR PAYMENT OR PERFORMANCE OF AN OBLIGATION .
(8) "P ERSON" MEANS AN INDIVIDUAL ,ESTATE ,BUSINESS OR NONPROFIT ENTITY , GOVERNMENT OR GOVERNMENTAL SUBDIVISION , -3- 1089 AGENCY ,OR INSTRUMENTALITY OR OTHER LEGAL ENTITY .
(8) "P ERSON" MEANS AN INDIVIDUAL , ESTATE ,BUSINESS OR NONPROFIT ENTITY , GOVERNMENT OR GOVERNMENTAL SUBDIVISION , AGENCY ,OR INSTRUMENTALITY OR OTHER LEGAL ENTITY .
(9) "RCOGNIZEDINDEX "MEANSANINDEXTOWHICHCHANGESIN THE INTEREST RATE MAY BE LINKED THAT IS:
(9) "RECOGNIZED INDEX " MEANS AN INDEX TO WHICH CHANGES IN THE INTEREST RATE MAY BE LINKED THAT IS:
(A) READILY AVAILABLE TO ,AND VERIFIABLE BY,THE OBLIGOR ;
(A) READILYAVAILABLETO ANDVERIFIABLEBY ,THEOBLIGOR ;AND (B) BEYOND THE CONTROL OF THE PERSON TO WHOM THE OBLIGATION IS OWED .
AND (B) BEYOND THE CONTROL OF THE PERSON TO WHOM THE OBLIGATION IS OWED .
(10) "RECORD ",USED AS A NOUN ,MEANS INFORMATION :
(10) "RECORD ",USED AS A NOUN,MEANS INFORMATION :
(A) INSCRIBED ON A TANGIBLE MEDIUM ;OR (B) STOREDINANELECTRONICOROTHERMEDIUMANDRETRIEVABLE IN PERCEIVABLE FORM .
(A) ISCRIBED ON A TANGIBLE MEDIUM ;OR (B) S TORED IN AN ELECTRONIC OR OTHER MEDIUM AND RETRIEVABLE IN PERCEIVABLE FORM .
(11) "SIGN "MEANS ,WITH PRESENT INTENT TO AUTHENTICATE OR ADOPT A RECORD :
(11) "IGN" MEANS ,WITH PRESENT INTENT TO AUTHENTICATE OR ADOPT A RECORD :
(A) E XECUTE OR ADOPT A TANGIBLE SYMBOL ;OR (B) A TTACH TO OR LOGICALLY ASSOCIATE WITH THE RECORD AN PAGE 3-HOUSE BILL 26-1089 ELECTRONIC SYMBOL ,SOUND ,OR PROCESS .
(A) EXECUTE OR ADOPT A TANGIBLE SYMBOL ;OR (B) ATTACH TO OR LOGICALLY ASSOCIATE WITH THE RECORD AN ELECTRONIC SYMBOL ,SOUND ,OR PROCESS .
(a) ECEPTASPROVIDEDINSUBSECTION (c)OFTHISSECTION ,THIS ARTICLE 40.5 APPLIES TO A MORTGAGE MODIFICATION .
(a) EXCEPT AS PROVIDED IN SUBSECTION (c)OF THIS SECTION,THIS ARTICLE 40.5APPLIES TO A MORTGAGE MODIFICATION .
(b) THIS ARTICLE40.5DOES NOT AFFECT :
(b) THIS ARTICLE 40.5DOES NOT AFFECT :
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(2) ASTATUTE OF LIMITATIONS OR OTHER LAW ,INCLUDING PART 2 OF ARTICLE 39 OF THIS TITLE38, GOVERNING THE EXPIRATION OR TERMINATION OF A RIGHT TO ENFORCE AN OBLIGATION OR A MORTGAGE ;
(2) A STATUTE OF LIMITATIONS OR OTHER LAW ,INCLUDING PART 2 OF ARTICLE 39 OF THIS TITLE 38, GOVERNING THE EXPIRATION OR TERMINATION OF A RIGHT TO ENFORCE AN OBLIGATION OR A MORTGAGE ;
(3) ARECORDING STATUTE ;
(3) A RECORDING STATUTE ;
(4) ASTATUTEGOVERNINGTHEPRIORITYOFATAXLIENOROTHER GOVERNMENTAL LIEN ;
(4) A STATUTE GOVERNING THE PRIORITY OF A TAX LIEN OR OTHER GOVERNMENTAL LIEN ;
-4- 1089 (5) A STATUTE OF FRAUDS OR ARTICLE 71OF TITLE24;
(5) A STATUTE OF FRAUDS OR ARTICLE 71 OF TITLE24;OR (6) E XCEPT AS PROVIDED IN SECTION 38-40.5-104 (b)(8),LAW GOVERNING THE PRIORITY OF A FUTURE ADVANCE .
OR (6) E XCEPT AS PROVIDED IN SECTION 38-40.5-104 (b)(8)LAW GOVERNING THE PRIORITY OF A FUTURE ADVANCE .
(c) THIS ARTICLE 40.5DOES NOT APPLY TO ANY OF THE FOLLOWING MODIFICATIONS :
(c) THISARTICLE40.5 DOESNOTAPPLYTOANYOFTHEFOLLOWING MODIFICATIONS :
(1) A RELEASE OF ,OR ADDITION TO ,PROPERTY ENCUMBERED BY A MORTGAGE ;
(1) A RELEASE OF,OR ADDITION TO ,PROPERTY ENCUMBERED BY A MORTGAGE ;
(2) A RELEASE OF,ADDITIONOF ,OR OTHER CHANGE IN AN OBLIGOR ;
(2) A RELEASE OF ,ADDITION OF ,OR OTHER CHANGE IN AN OBLIGOR ;OR (3) A N ASSIGNMENT OR OTHER TRANSFER OF A MORTGAGE OR AN OBLIGATION .
OR (3) A N ASSIGNMENT OR OTHER TRANSFER OF A MORTGAGE OR AN OBLIGATION .
(a) FOR A MORTGAGE MODIFICATION DESCRIBED IN SUBSECTION (b) OF THIS SECTIO:
(a) FOR A MORTGAGE MODIFICATION DESCRIBED IN SUBSECTION (b) PAGE 4-HOUSE BILL 26-1089 OF THIS SECTION:
(3) T HE MORTGAGE RETAINS ITS PRIORITY REGARDLESS OF WHETHER A RECORD OF THE MORTGAGE MODIFICATION IS RECORDED IN THEOFFICEOFTHECOUNTYCLERKANDRECORDERINTHECOUNTYWHERE THE PROPERTY IS LOCATED ;AND (4) THE MODIFICATION IS NOT A NOVATION.
(3) THEMORTGAGERETAINSITSPRIORITYREGARDLESSOFWHETHER ARECORDOFTHEMORTGAGEMODIFICATIONISRECORDEDINTHEOFFICEOF THE COUNTY CLERK AND RECORDER IN THE COUNTY WHERE THE PROPERTY IS LOCATED;AND (4) THE MODIFICATION IS NOT A NOVATION .
(b) SUBSECTION (a)OFTHIS SECTION APPLIES TO ONE OR MORE OF THE FOLLOWING MORTGAGE MODIFICATIONS :
(b) SUBSECTION (a)OF THIS SECTION APPLIES TO ONE OR MORE OF THE FOLLOWING MORTGAGE MODIFICATIONS :
(1) A N EXTENSION OF THE MATURITY DATE OF AN OBLIGATION;
(1) AN EXTENSION OF THE MATURITY DATE OF AN OBLIGATION ;
-5- 1089 (3) IF THE CHANGE DOES NOT RESULT IN AN INCREASE IN THE INTEREST RATE OF AN OBLIGATION AS CALCULATED ON THE DATE THE MODIFICATION BECOMES EFFECTIVE:
(3) IF THE CHANGE DOES NOT RESULT IN AN INCREASE IN THE INTEREST RATE OF AN OBLIGATION AS CALCULATED ON THE DATE THE MODIFICATION BECOMES EFFECTIVE :
(A) A CHANGE TO A DIFFERENT INDEX THAT IS A RECOGNIZED INDEX IFTHE PREVIOUS INDEX TO WHICHCHANGESINTHE INTEREST RATE WERE LINKED IS NO LONGER AVAILABL;
(A) A CHANGETOADIFFERENTINDEXTHAT ISARECOGNIZEDINDEX IF THE PREVIOUS INDEX TO WHICH CHANGES IN THE INTEREST RATE WERE LINKED IS NO LONGER AVAILABLE ;
(B) ACHANGEINTHEDIFFERENTIALBETWEENTHEINDEXANDTHE INTEREST RATE;
(B) A CHANGE IN THE DIFFERENTIAL BETWEEN THE INDEX AND THE INTEREST RATE;
(C) ACHANGEFROMAFLOATINGORADJUSTABLERATETOAFIXED RATE ;OR (D) ACHANGEFROMAFIXEDRATETOAFLOATINGORADJUSTABLE RATE BASED ON A RECOGNIZED INDEX;
(C) A CHANGE FROM A FLOATING OR ADJUSTABLE RATE TO A FIXED RATE ;OR (D) A CHANGE FROM A FIXED RATE TO A FLOATING OR ADJUSTABLE RATE BASED ON A RECOGNIZED INDEX ;
(4) A CAPITALIZATION OF UNPAID INTEREST OR OTHER UNPAID MONETARY OBLIGATION ;
(4) A CAPITALIZATION OF UNPAID INTEREST OR OTHER UNPAID PAGE 5-HOUSE BILL 26-1089 MONETARY OBLIGATION ;
(5) A FORGIVENESS ,FORBEARANCE ,OR OTHER REDUCTION OF PRINCIPAL,ACCRUED INTEREST,OR OTHER MONETARY OBLIGATION ;
(5) A FORGIVENESS , FORBEARANCE , OR OTHER REDUCTION OF PRINCIPAL,ACCRUED INTEREST ,OR OTHER MONETARY OBLIGATION ;
(6) A MODIFICATION OF A REQUIREMENT FOR MAINTAINING AN ESCROW OR RESERVE ACCOUNT FOR PAYMENT OF AN OBLIGATION , INCLUDING TAXES AND INSURANCE PREMIUMS;
(6) A MODIFICATION OF A REQUIREMENT FOR MAINTAINING AN ESCROW OR RESERVE ACCOUNT FOR PAYMENT OF AN OBLIGATION , INCLUDING TAXES AND INSURANCE PREMIUMS ;
(7) A MODIFICATION OF A REQUIREMENT FOR ACQUIRING OR MAINTAINING INSURANCE;
(7) A MODIFICATION OF A REQUIREMENT FOR ACQUIRING OR MAINTAINING INSURANCE ;
(9) AMODIFICATION OF A FINANCIAL COVENANT;AND (10) A MODIFICATION OF THE PAYMENT AMOUNT OR SCHEDULE RESULTINGFROMANOTHERMODIFICATIONDESCRIBEDINTHISSUBSECTION (b).
(9) A MODIFICATION OF A FINANCIAL COVENANT;AND (10) A MODIFICATION OF THE PAYMENT AMOUNT OR SCHEDULE RESULTING FROM ANOTHER MODIFICATION DESCRIBED IN THIS SUBSECTION (b).
-6- 1089 (c) HEEFFECTOFAMORTGAGEMODIFICATIONNOTDESCRIBEDIN SUBSECTION (b)OF THIS SECTION IS GOVERNED BY OTHER L.W 38-40.5-105.
(c) THE EFFECT OF A MORTGAGE MODIFICATION NOT DESCRIBED IN SUBSECTION (b)OF THIS SECTION IS GOVERNED BY OTHER LAW.
38-40.5-105.
INAPPLYINGANDCONSTRUINGTHISUNIFORMACT ACOURTSHALL CONSIDER THE PROMOTION OF UNIFORMITY OF THE LAW AMONG JURISDICTIONS THAT ENACT .T 38-40.5-106.
IN APPLYING AND CONSTRUING THIS UNIFORM ACT ,A COURT SHALL CONSIDER THE PROMOTION OF UNIFORMITY OF THE LAW AMONG JURISDICTIONS THAT ENACT IT 38-40.5-106.
THIS ACT MODIFIES,LIMITS,OR SUPERSEDES THE ELECTRONIC SIGNATURESIN G LOBALAND N ATIONAL COMMERCE ACT,15U.S.C.
THIS ACT MODIFIES , LIMITS,OR SUPERSEDES THE E LECTRONIC SIGNATURES IN G LOBAL AND N ATIONAL COMMERCE ACT, 15 U.S.CSEC .
SEC.
ETSEQ.,ASAMENDED ,BUTDOESNOTMODIFY ,LIMITORSUPERSEDE 15 U.S.C.SEC.7001 (c),ORAUTHORIZE ELECTRONICDELIVERY OFANYOFTHE NOTICES DESCRIBED IN15 U.S.C.SEC.
7001 ETSEQ.,ASAMENDED ,BUT DOESNOTMODIFY ,LIMI,ORSUPERSEDE 15 U.S.CSEC .7001(c)ORAUTHORIZEELECTRONICDELIVERYOFANYOF THE NOTICES DESCRIBED I15 U.S.C.SEC.
THIS ARTICLE40.5APPLIES TO A MORTGAGE MODIFICATION MADE ONORAFTERTHEEFFECTIVEDATEOFTHISACTREGARDLESSOFWHENTHE MORTGAGE OR THE OBLIGATION WAS CREATED .
PAGE 6-HOUSE BILL 26-1089 THISARTICLE 40.5APPLIESTOAMORTGAGEMODIFICATIONMADEON OR AFTER THE EFFECTIVE DATE OF THIS ACT REGARDLESS OF WHEN THE MORTGAGE OR THE OBLIGATION WAS CREATED .
on the day following the expiration of the ninety-dayperiodafterfinaladjournmentofthegeneralassembly(August 12, 2026, if adjournment sine die is on May 13, 2026);
on the day following the expiration of the ninety-day period after final adjournment of the general assembly(August 12, 2026, if adjournment sine die is on May 13, 2026);
except that, if a referendum petition is filed pursuant to section 1 (3) of article V of the state constitution against this act or an item, section, or part of this act within such period, then the act, item, section, or part will not take effect unless approved by the people at the general election to be held in November 2026 and, in such case, will take effect on the date of the official declaration of the vote thereon by the governor.
except that, if a referendumpetitionisfiledpursuanttosection1(3)ofarticleVofthestate constitution against this act or an item, section, or part of this act within such period, then the act, item, section, or part will not take effect unless PAGE 7-HOUSE BILL 26-1089 approvedbythepeopleatthegeneralelectiontobeheldinNovember2026 and, in such case, will take effect on the date of the official declaration of the vote thereon by the governor.
-7- 1089
____________________________ ____________________________ Julie McCluskie James Rashad Coleman, Sr.
SPEAKER OF THE HOUSE PRESIDENT OF OF REPRESENTATIVES THE SENATE ____________________________ ____________________________ Vanessa Reilly Esther van Mourik CHIEF CLERK OF THE HOUSE SECRETARY OF OF REPRESENTATIVES THE SENATE APPROVED________________________________________ (Date and Time) _________________________________________ Jared S.
Polis GOVERNOR OF THE STATE OF COLORADO PAGE 8-HOUSE BILL 26-1089
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Action History

  1. Governor Signed

  2. Signed by the Speaker of the House

  3. Signed by the President of the Senate

  4. Sent to the Governor

  5. Senate Third Reading Passed - No Amendments

  6. Senate Second Reading Passed - No Amendments

  7. Senate Committee on Judiciary Refer Unamended - Consent Calendar to Senate Committee of the Whole

  8. Introduced In Senate - Assigned to Judiciary

  9. House Third Reading Passed - No Amendments

  10. House Second Reading Special Order - Passed with Amendments - Committee

  11. House Second Reading Passed with Amendments - Committee

  12. House Second Reading Laid Over Daily - No Amendments

  13. House Second Reading Special Order - Laid Over Daily - No Amendments

  14. House Committee on Judiciary Refer Amended to House Committee of the Whole

  15. Introduced In House - Assigned to Judiciary

Sponsors

Sponsorship breakdown

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2 sponsors · 9 co-sponsors · 90 not signed on

Sponsors (2)

Co-sponsors (9)

Not signed on (90)

90 members have not signed on to this bill.

Show all 90 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

BILL

Passed 36 Yea · 0 Nay
Party YeaNayPresentNot Voting
Unaffiliated 5000
Democrat 21000
Republican 10000
Total 36000
% of votes cast 100%0%0%0%
How each member voted (36)
Member Party Vote
Gonzales J. — Yea
Pelton B. — Yea
Pelton R. — Yea
President — Yea
Adrienne Benavidez — Yea
Cathy Kipp Democrat Yea
Chris Kolker Democrat Yea
Dylan Roberts Democrat Yea
Iman Jodeh Democrat Yea
James Coleman Democrat Yea
Janice Marchman Democrat Yea
Jeff Bridges Democrat Yea
Jessie Danielson Democrat Yea
Judy Amabile Democrat Yea
Katie Wallace Democrat Yea
Kyle Mullica Democrat Yea
Lindsey Daugherty Democrat Yea
Lisa Cutter Democrat Yea
Marc Snyder Democrat Yea
Matt Ball Democrat Yea
Mike Weissman Democrat Yea
Nick Hinrichsen Democrat Yea
Robert Rodriguez Democrat Yea
Tom Sullivan Democrat Yea
Tony Exum Democrat Yea
William Lindstedt Democrat Yea
Barbara Kirkmeyer Republican Yea
Cleave Simpson Republican Yea
Janice Rich Republican Yea
John Carson Republican Yea
Larry Liston Republican Yea
Lisa Frizell Republican Yea
Lynda Zamora Wilson Republican Yea
Marc Catlin Republican Yea
Mark Baisley Republican Yea
Scott Bright Republican Yea

Official roll call →

Refer House Bill 26-1089 to the Committee of the Whole and with a recommendation that it be placed on the consent calendar.

Passed 6 Yea · 0 Nay · 1 Other
Party YeaNayPresentNot Voting
Republican 2000
Democrat 4001
Total 6001
% of votes cast 86%0%0%14%
How each member voted (7)
Member Party Vote
Dylan Roberts Democrat Not Voting
Katie Wallace Democrat Yea
Lindsey Daugherty Democrat Yea
Mike Weissman Democrat Yea
Nick Hinrichsen Democrat Yea
John Carson Republican Yea
Lynda Zamora Wilson Republican Yea

Official roll call →

Refer House Bill 26-1089, as amended, to the Committee of the Whole.

Passed 10 Yea · 0 Nay · 1 Other
Party YeaNayPresentNot Voting
Democrat 7000
Republican 3001
Total 10001
% of votes cast 91%0%0%9%
How each member voted (11)
Member Party Vote
Cecelia Espenoza Democrat Yea
Chad Clifford Democrat Yea
Javier Mabrey Democrat Yea
Jennifer Bacon Democrat Yea
Lorena Garcia Democrat Yea
Michael Carter Democrat Yea
Yara Zokaie Democrat Yea
Ava Flanell Republican Yea
Jarvis Caldwell Republican Yea
Matt Soper Republican Yea
Rebecca Keltie Republican Not Voting

Official roll call →

Subjects

finance housing
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does HB 1089 do?
The act enacts the 'Uniform Mortgage Modification Act', drafted by the Uniform Law Commission. The act provides that, in the event that a mortgage is modified:The mortgage continues to secure the obligation as modified;The modification does not affect the priority of the mortgage;A mortgage retains its priority regardless of whether a modification agreement is recorded; andThe modification is not a novation.(Note: This summary applies to this bill as enacted.)
Who sponsors HB 1089?
HB 1089 is sponsored by M. Weissman, K. Wallace, I. Jodeh, T. Exum, J. Coleman, J. Carson, M. Snyder, Jennifer Bacon (Democrat), Michael Carter (Democrat), Monica Duran (Democrat), and Cecelia Espenoza (Democrat).
What is the current status of HB 1089?
This bill has been enacted into law. Introduced February 02, 2026. Enacted.
Where can I track HB 1089?
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