Missouri 2026 Regular Session Status: Enacted

SB 834 — Creates new provisions relating to mortgage modifications

Last action — Signed by Governor

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

This bill has been enacted into law. Introduced December 01, 2025. Enacted.

Signed by Governor Mike Kehoe (Republican) on July 09, 2026.

Odds of enactment

High chance

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

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

Prognosis

Advancing 50% · moderate confidence

  • Enacted

    Current position in the legislative process.

  • 1 sponsor

    1 primary, 0 co-sponsors signed on.

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

In plain language

This bill establishes new rules for mortgage modifications and sale leaseback transactions in Missouri.

The bill creates the Missouri Residential Sale Leaseback Protection Act, which regulates sale leaseback agreements, ensuring sellers receive important disclosures. It also establishes the Uniform Mortgage Modification Act, which outlines procedures for modifying mortgages while maintaining their priority and security.

What this means for you
  • Workers: Workers in the real estate sector may find new procedures and regulations impacting their practices.
  • Families: This means families involved in sale leaseback transactions will receive clearer information about their agreements.

Summary

SS/SB 834 - This act creates new provisions relating to mortgage modifications. MISSOURI RESIDENTIAL SALE LEASEBACK PROTECTION ACT (Section 442.920) The act creates the "Missouri Residential Sale Leaseback Protection" act, which regulates sale leasebacks. A sale leaseback is defined as a transaction or series of transactions in which a seller sells residential real estate that is or was the seller's residence to another party and, as a condition of the sale, or as part of the same or a related transaction, enters into a lease or rental agreement to remain in or re-occupy the property. In any sale leaseback transaction, a buyer is required to provide the seller with certain disclosures, described in detail in the act, alerting the seller of the nature of the transaction and advising them of certain actions they may wish to take. The disclosure must be provided to the seller not more than 10 days and not less than 3 business days before the execution of any sale leaseback agreement, and the disclosure shall be signed by both the seller and the buyer concurrently with the execution of the sale leaseback agreement. Violation of this act is subject to a fine of up to $10,000 per violation. The Attorney General is permitted to enforce this act by bringing a cause of action seeking injunctive relief, civil penalties, and restitution. A seller is also permitted to bring a civil action if harmed by a violation of this act. A seller may recover actual damages, statutory damages up to $10,000, attorneys' fees and costs, and any equitable or injunctive relief. This act may not be waived or modified by agreement of any party. These provisions are identical to provisions in the truly agreed to SS/HB 2636 (2026), the truly agreed to CCS/HCS/SS/SCS/SB 973 (2026), and the perfected SS/SCS/SB 1001 (2026), and substantially similar to SB 1684 (2026). UNIFORM MORTGAGE MODIFICATION ACT (Sections 443.920 to 443.925) The act creates the Uniform Mortgage Modification Act, establishing new procedures with respect to modifications of mortgages. The act provides that, for any mortgage modification, as that term is defined in the act, all of the following apply: • The mortgage continues to secure the obligation as modified; • The priority of the mortgage is not affected by the modification; • The mortgage retains its priority regardless of whether a record of the mortgage modification is recorded in the public land records; and • The modification is not considered a novation. This act supercedes the federal Electronic Signatures in Global and National Commerce Act, as permitted by that Act, except as otherwise provided in this act. This provision contains various exceptions. These provisions are identical to provisions in the SS/HB 2636 (2026). This act contains a severability clause. SCOTT SVAGERA

Bill Text

What changed in the latest version

12 added · 13 removed

Plain-language change summary

The legislation SB 834 has undergone a few changes, primarily involving the removal of the line indicating it was "perfected" and an adjustment in language regarding real estate agents. The new version maintains a severability clause, which means if any part of the law is found to be invalid, the rest can still stand. These changes are significant as they help clarify the roles under the law and ensure that essential provisions remain enforceable without affecting the entire bill.

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SECOND REGULAR SESSION [PERFECTED] SENATE SUBSTITUTE FOR SENATE BILLNO.
SECOND REGULAR SESSION [TRULYAGREED TOAND FINALLY PASSED] SENATE SUBSTITUTE FOR SENATE BILLNO.
834 103RD GENERALASSEMBLY INTRODUCED BY SENATOR CRAWFORD.
834 103RD GENERALASSEMBLY 4894S.02T ANACT To amend chapters 442 and 443, RSMo, by addingthereto seven new sections relating to mortgage modifications, with penalty provisions and a severability clause.
4894S.02P KRISTINAMARTIN, Secretary ANACT To amend chapters 442 and 443, RSMo, by addingthereto seven new sections relating to mortgage modifications, with a severability clause.
(3) "Sale leaseback", a transaction or series of transactions in which a seller sells residential real estate that is or was the seller's residence to another party and, SS SB 834 2 as a condition of the sale, or as part of the same or a related transaction, enters into a lease or rental agreement to remain in or re-occupy the property;
(3) "Sale leaseback", a transaction or series of transactions in which a seller sells residential real estate that is or was the seller's residence to another party and, as a condition of the sale, or as part of the same or a SS SB 834 2 related transaction, enters into a lease or rental agreement to remain in or re-occupy the property;
SS SB 834 3 Do not sign unless you fully understand the terms.
Do not sign unless you fully understand the terms.
(2) The disclosure required by subdivision (1) of this subsection shall be provided to the seller not less than fourteen calendar days prior to execution of any sale leaseback agreement, and the disclosures shall be signed by both the seller and the buyer concurrently with the execution of the sale leaseback agreement.
SS SB 834 3 (2) The disclosure required by subdivision (1) of this subsection shall be provided to the seller not less than fourteen calendar days prior to execution of any sale leaseback agreement, and the disclosures shall be signed by both the seller and the buyer concurrently with the execution of the sale leaseback agreement.
Any portion of an agreement that is executed, modified, or extended after the effective date SS SB 834 4 of this section that modifies or waives a duty or remedy under this section is void ab initio and unenforceable.
Any portion of an agreement that is executed, modified, or extended after the effective date of this section that modifies or waives a duty or remedy under this section is void ab initio and unenforceable.
443.920.
SS SB 834 4 443.920.
SS SB 834 5 (b) An agreement that creates an obligation, including a promissory note, loan agreement, or credit agreement;
(b) An agreement that creates an obligation, including a promissory note, loan agreement, or credit agreement;
or (c) An agreement that creates other security or credit enhancement for an obligation, including an assignment of leases or rents or a guaranty;
or SS SB 834 5 (c) An agreement that creates other security or credit enhancement for an obligation, including an assignment of leases or rents or a guaranty;
SS SB 834 6 443.922.
443.922.
(1) Laws governing the required content of a mortgage;
SS SB 834 6 (1) Laws governing the required content of a mortgage;
and SS SB 834 7 (4) The modification is not a novation.
and (4) The modification is not a novation.
(2) A decrease in the interest rate of an obligation;
SS SB 834 7 (2) A decrease in the interest rate of an obligation;
SS SB 834 8 3.
3.
The effect of a mortgage modification not described in subsection 2 is governed by other law.
The effect of a mortgage modification not described in subsection 2 of this section is governed by other law.
Pursuant to the authority granted by the federal Electronic Signatures in Global and National Commerce Act, 15 U.S.C.
Pursuant to the authority granted by the federal Electronic Signatures in Global and National SS SB 834 8 Commerce Act, 15 U.S.C.
7002, sections 443.920 to 443.925 modify, limit, or supersede such act, 15 U.S.C.
Section 7002, sections 443.920 to 443.925 modify, limit, or supersede such act, 15 U.S.C.
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Action History

  1. Signed by Governor

  2. Reported Duly Enrolled Rules, Joint Rules, Resolutions & Ethics Committee

  3. Signed by Senate President Pro Tem

  4. Signed by House Speaker

  5. Delivered to Governor

  6. H Third Read and Passed

  7. Truly Agreed To and Finally Passed

  8. Voted Do Pass H Rules - Administrative

  9. Reported Do Pass H Rules - Administrative

  10. Referred H Rules - Administrative

  11. Voted Do Pass H Financial Institutions

  12. Reported Do Pass H Financial Institutions

  13. Hearing Conducted H Financial Institutions

  14. Referred H Financial Institutions

  15. H Second Read

  16. S Third Read and Passed

  17. H First Read

  18. Reported Truly Perfected S Rules, Joint Rules, Resolutions and Ethics Committee

  19. SS S offered (Crawford)--(4894S.02F)

  20. SA 1 to SS S offered & adopted (McCreery)--(4894S02.01S)

  21. SS, as amended, S adopted

  22. Perfected

  23. Reported from S Insurance and Banking Committee

  24. Voted Do Pass S Insurance and Banking Committee

  25. Hearing Conducted S Insurance and Banking Committee

  26. Hearing Cancelled S Insurance and Banking Committee

  27. Second Read and Referred S Insurance and Banking Committee

  28. S First Read

  29. Prefiled

Sponsors

Sponsorship breakdown

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1 sponsors · 0 co-sponsors · 198 not signed on

Sponsors (1)

Co-sponsors (0)

None.

Not signed on (198)

198 members have not signed on to this bill.

Show all 198 →

"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

taxation finance housing
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Frequently asked questions

What does SB 834 do?
SS/SB 834 - This act creates new provisions relating to mortgage modifications. MISSOURI RESIDENTIAL SALE LEASEBACK PROTECTION ACT (Section 442.920) The act creates the "Missouri Residential Sale Leaseback Protection" act, which regulates sale leasebacks. A sale leaseback is defined as a transaction or series of transactions in which a seller sells residential real estate that is or was the seller's residence to another party and, as a condition of the sale, or as part of the same or a related transaction, enters into a lease or rental agreement to remain in or re-occupy the property. In any sale leaseback transaction, a buyer is required to provide the seller with certain disclosures, described in detail in the act, alerting the seller of the nature of the transaction and advising them of certain actions they may wish to take. The disclosure must be provided to the seller not more than 10 days and not less than 3 business days before the execution of any sale leaseback agreement, and the disclosure shall be signed by both the seller and the buyer concurrently with the execution of the sale leaseback agreement. Violation of this act is subject to a fine of up to $10,000 per violation. The Attorney General is permitted to enforce this act by bringing a cause of action seeking injunctive relief, civil penalties, and restitution. A seller is also permitted to bring a civil action if harmed by a violation of this act. A seller may recover actual damages, statutory damages up to $10,000, attorneys' fees and costs, and any equitable or injunctive relief. This act may not be waived or modified by agreement of any party. These provisions are identical to provisions in the truly agreed to SS/HB 2636 (2026), the truly agreed to CCS/HCS/SS/SCS/SB 973 (2026), and the perfected SS/SCS/SB 1001 (2026), and substantially similar to SB 1684 (2026). UNIFORM MORTGAGE MODIFICATION ACT (Sections 443.920 to 443.925) The act creates the Uniform Mortgage Modification Act, establishing new procedures with respect to modifications of mortgages. The act provides that, for any mortgage modification, as that term is defined in the act, all of the following apply: • The mortgage continues to secure the obligation as modified; • The priority of the mortgage is not affected by the modification; • The mortgage retains its priority regardless of whether a record of the mortgage modification is recorded in the public land records; and • The modification is not considered a novation. This act supercedes the federal Electronic Signatures in Global and National Commerce Act, as permitted by that Act, except as otherwise provided in this act. This provision contains various exceptions. These provisions are identical to provisions in the SS/HB 2636 (2026). This act contains a severability clause. SCOTT SVAGERA
Who sponsors SB 834?
SB 834 is sponsored by Sandy Crawford.
What is the current status of SB 834?
This bill has been enacted into law. Introduced December 01, 2025. Enacted.
Where can I track SB 834?
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