Kansas 2025-2026 Regular Session Status: Enacted

HB 2497 — Prohibiting the assessment of a prepayment penalty against any party more than six months after the execution of a note evidencing a home loan made primarily for personal, family or household purposes secured by a real estate mortgage.

Last action — Engrossed on Tuesday, March 31, 2026

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  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 January 21, 2026. Enacted.

Signed by Governor Laura Kelly (Democratic) on April 09, 2026.

Prognosis

Advancing 50% · moderate confidence

Where this bill stands today.

Odds of enactment

High

How often bills like it became law.

  • Enacted

    Current position in the legislative process.

  • 1 sponsor

    1 primary, 0 co-sponsors signed on.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Bill Text

What changed in the latest version

77 added · 70 removed

77 line(s) added, 70 removed.

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As Amended by Senate Committee Session of 2026 HOUSE BILLNo.
HOUSE BILL No.
2497 By Committee on Financial Institutions and Pensions Requested by Representative Hoheisel on behalf of CATALYST 1-21 AN ACT concerning financial institutions;
2497 AN ACT concerning financial institutions;
8 Be it enacted by the Legislature of the State of Kansas:
Be it enacted by the Legislature of the State of Kansas:
and in addition thereto shall forfeit a sum of money, to be deducted from the amount due for principal and lawful interest, equal to the amount of interest contracted for in excess of the amount authorized by this section and such amounts may be set up as a defense or counterclaim in any action to enforce the HB 2497—Am.
and in addition thereto shall forfeit a sum of money, to be deducted from the amount due for principal and lawful interest, equal to the amount of interest contracted for in excess of the amount authorized by this section and such amounts may be set up as a defense or counterclaim in any action to enforce the collection of such obligation and the borrower shall also recover a reasonable attorney fee.
by SC 2 collection of such obligation and the borrower shall also recover a reasonable attorney fee.
Sec.
HOUSE BILL No.
2497—page 2 Sec.
3. This act shall take effect and be in force from and after its publication in the statute book Kansas register.
3. This act shall take effect and be in force from and after its publication in the statute book.
I hereby certify that the above B ILLoriginated in the H OUSE, and was adopted by that body H OUSE adopted Conference Committee Report Speaker of the House.
Chief Clerk of the House.
Passed the SENATE as amended SENATE adopted Conference Committee Report President of the Senate.
Secretary of the Senate.
A PPROVED Governor.
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How this bill changes current law

2 changes Share ↗

AI-generated reading aid from the bill's amendatory text — verify against the official bill.

The bill prohibits prepayment penalties on home loans after six months following the execution of the loan note.

  • K.S.A. 2025 Supp. 16-207

    No prepayment penalty shall be assessed against any party for prepayment of any home loan evidenced by a note secured by a real estate mortgage where such prepayment is made more than six months → No prepayment penalty shall be assessed against any party more than six months after the execution of a note evidencing a home loan made primarily for personal, family or household purposes secured by a real estate mortgage.

    This change clarifies that prepayment penalties cannot be assessed after six months from the execution of the loan note.

  • K.S.A. 2025 Supp. 16-207

    more than six months after the execution of a note evidencing a home loan made primarily for personal, family or household purposes secured by a real estate mortgage.

    The repetition of the phrase is removed to streamline the language of the statute.

Action History

  1. Engrossed on Tuesday, March 31, 2026

  2. Enrolled and presented to Governor on Friday, April 3, 2026

  3. Approved by Governor on Thursday, April 9, 2026

  4. Conference Committee Report was adopted; Yea 74, Nay 51

  5. Conference committee report now available

  6. Conference Committee Report was adopted; Yea 32, Nay 8

  7. Motion to accede adopted; Sen. Brenda Dietrich, Sen. Michael Fagg and Sen. Silas Miller appointed as conferees

  8. Nonconcurred with amendments; Conference Committee requested; appointed Rep. Nick Hoheisel, Rep. Angela Stiens and Rep. Rui Xu

  9. Final Action - Passed as amended; Yea 36, Nay 4

  10. Committee of the Whole - Committee Report be adopted

  11. Committee of the Whole - Be passed as amended

  12. Committee Report recommending bill be passed as amended by Senate Committee on Financial Institutions and Insurance

  13. Referred to Senate Committee on Financial Institutions and Insurance

  14. Final Action - Passed; Yea 87, Nay 37, Absent 1

  15. Received and Introduced

  16. Committee of the Whole - Be passed

  17. Committee Report recommending bill be passed by House Committee on Financial Institutions and Pensions

  18. Introduced

  19. Referred to House Committee on Financial Institutions and Pensions

Sponsors

  • Committee on Financial Institutions and Pensions · Primary

Sponsorship breakdown

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1 sponsors · 0 co-sponsors · 164 not signed on

Sponsors (1)

  • Committee on Financial Institutions and Pensions

Co-sponsors (0)

None.

Not signed on (164)

164 members have not signed on to this bill.

Show all 164 →

"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

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

Who sponsors HB 2497?
HB 2497 is sponsored by Committee on Financial Institutions and Pensions.
What is the current status of HB 2497?
This bill has been enacted into law. Introduced January 21, 2026. Enacted.
Where can I track HB 2497?
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