AN ACT TO AMEND TITLES 10 AND 29 OF THE DELAWARE CODE RELATING TO RESIDENTIAL MORTGAGE FORECLOSURE AND THE ...
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SB 245 — AN ACT TO AMEND TITLES 10 AND 29 OF THE DELAWARE CODE RELATING TO RESIDENTIAL MORTGAGE FORECLOSURE AND THE OFFICE OF FORECLOSURE PREVENTION AND FINANCIAL EDUCATION.
Last action — Signed by Governor
No card. One bill, free forever — alerts when it moves.
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✓Introduced
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✓In Committee
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✓Passed Senate
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✓Passed House
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✓To Executive
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6Enacted
This bill has been enacted into law. Introduced April 23, 2024. Enacted.
Prognosis
Where this bill stands today.
Odds of enactment
HighHow often bills like it became law.
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Enacted
Current position in the legislative process.
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18 sponsors
18 primary, 0 co-sponsors signed on.
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Bipartisan support
Sponsored across 2 parties (13 D · 1 R) — cross-party backing.
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Cleared a recorded vote
Passed 2 recorded votes so far.
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.
Summary
The Office of Foreclosure Prevention and Financial Education and the Residential Mortgage Foreclosure Mediation Program were created in the wake of the 2008 financial crisis to assist homeowners at risk of foreclosure or already navigating the foreclosure process. Originally intended as temporary programs, the need for these programs is as critical as ever for those facing the loss of their homes. The programs have proven to be important resources in preserving home ownership and educating homeowners on their rights and responsibilities in times of economic contraction and in times of economic expansion. As a result of their successes, the General Assembly has extended the programs multiple times. It is clear that the need for these programs will continue for the foreseeable future. In recognition of this reality, this Act removes the expiration dates from the programs. Senate Substitute No. 1 for Senate Bill No. 245 makes the following substantive changes: (1) It adds a requirement that the notice of intent to foreclose include the phone number for the Delaware Attorney General’s Foreclosure Hotline and the contact information for Delaware State Housing Authority’s foreclosure prevention programs. (2) The required notice of intent to foreclose now directs homeowners to U.S. Housing and Urban Development Department Certified Housing Counselors for assistance. Like Senate Bill No. 245, Senate Substitute No. 1 for Senate Bill No. 245 also makes technical corrections to conform existing law to the standards of the Delaware Legislative Drafting Manual.
Bill Text
- Bill Text View text Current pdf
Action History
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Signed by Governor
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Passed By House. Votes: 40 YES 1 ABSENT
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Reported Out of Committee (Appropriations) in House with 5 On Its Merits
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Assigned to Appropriations Committee in House
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Reported Out of Committee (Judiciary) in House with 1 Favorable, 9 On Its Merits
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Assigned to Judiciary Committee in House
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Passed By Senate. Votes: 20 YES 1 ABSENT
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Reported Out of Committee (Finance) in Senate with 6 On Its Merits
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Adopted in lieu of the original bill SB 245, and Assigned to Finance Committee in Senate
Sponsors
- Sherry Dorsey Walker · Primary
- Sean Matthews · Primary
- Peter C. Schwartzkopf · Primary
- Sarah McBride · Primary
- David L. Wilson · Primary
- Edward S. Osienski · Primary
- Spiros Mantzavinos · Primary
- Nicole Poore · Primary
- William Bush · Primary
- John "Jack" Walsh · Primary
- Laura V. Sturgeon · Primary
- Marie Pinkney · Primary
- Trey Paradee · Primary
- Kendra Johnson · Primary
- Bryan Townsend · Primary
- David P. Sokola · Primary
- S. Elizabeth Lockman · Primary
- Russell Huxtable · Primary
Sponsorship breakdown
Export CSV (upgrade) →18 sponsors · 0 co-sponsors · 44 not signed on
Sponsors (18)
- Sherry Dorsey Walker
- Sean Matthews
- Peter C. Schwartzkopf
- Sarah McBride
- David L. Wilson Republican
- Edward S. Osienski Democratic
- Spiros Mantzavinos Democratic
- Nicole Poore Democratic
- William Bush Democratic
- John "Jack" Walsh Democratic
- Laura V. Sturgeon Democratic
- Marie Pinkney Democratic
- Trey Paradee Democratic
- Kendra Johnson Democratic
- Bryan Townsend Democratic
- David P. Sokola Democratic
- S. Elizabeth Lockman Democratic
- Russell Huxtable Democratic
Co-sponsors (0)
None.
Not signed on (44)
44 members have not signed on to this bill.
Show all 44 →"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.
Votes
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Unaffiliated | 7 | 0 | 0 | 0 |
| Democratic | 19 | 0 | 0 | 1 |
| Republican | 14 | 0 | 0 | 0 |
| Total | 40 | 0 | 0 | 1 |
| % of votes cast | 98% | 0% | 0% | 2% |
How each member voted (41)
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Democratic | 12 | 0 | 0 | 1 |
| Republican | 6 | 0 | 0 | 0 |
| Unaffiliated | 2 | 0 | 0 | 0 |
| Total | 20 | 0 | 0 | 1 |
| % of votes cast | 95% | 0% | 0% | 5% |
How each member voted (21)
| Member | Party | Vote |
|---|---|---|
| Kyle Evans Gay | — | Yea |
| Sarah McBride | — | Yea |
| Bryan Townsend | Democratic | Yea |
| Darius J. Brown | Democratic | Yea |
| David P. Sokola | Democratic | Yea |
| John "Jack" Walsh | Democratic | Yea |
| Kyra L. Hoffner | Democratic | Not Voting |
| Laura V. Sturgeon | Democratic | Yea |
| Marie Pinkney | Democratic | Yea |
| Nicole Poore | Democratic | Yea |
| Russell Huxtable | Democratic | Yea |
| S. Elizabeth Lockman | Democratic | Yea |
| Spiros Mantzavinos | Democratic | Yea |
| Stephanie L. Hansen | Democratic | Yea |
| Trey Paradee | Democratic | Yea |
| Brian Pettyjohn | Republican | Yea |
| Bryant L. Richardson | Republican | Yea |
| Dave G. Lawson | Republican | Yea |
| David L. Wilson | Republican | Yea |
| Eric Buckson | Republican | Yea |
| Gerald W. Hocker | Republican | Yea |
Subjects
Frequently asked questions
- What does SB 245 do?
- The Office of Foreclosure Prevention and Financial Education and the Residential Mortgage Foreclosure Mediation Program were created in the wake of the 2008 financial crisis to assist homeowners at risk of foreclosure or already navigating the foreclosure process. Originally intended as temporary programs, the need for these programs is as critical as ever for those facing the loss of their homes. The programs have proven to be important resources in preserving home ownership and educating homeowners on their rights and responsibilities in times of economic contraction and in times of economic expansion. As a result of their successes, the General Assembly has extended the programs multiple times. It is clear that the need for these programs will continue for the foreseeable future. In recognition of this reality, this Act removes the expiration dates from the programs. Senate Substitute No. 1 for Senate Bill No. 245 makes the following substantive changes: (1) It adds a requirement that the notice of intent to foreclose include the phone number for the Delaware Attorney General’s Foreclosure Hotline and the contact information for Delaware State Housing Authority’s foreclosure prevention programs. (2) The required notice of intent to foreclose now directs homeowners to U.S. Housing and Urban Development Department Certified Housing Counselors for assistance. Like Senate Bill No. 245, Senate Substitute No. 1 for Senate Bill No. 245 also makes technical corrections to conform existing law to the standards of the Delaware Legislative Drafting Manual.
- Who sponsors SB 245?
- SB 245 is sponsored by Sherry Dorsey Walker, Sean Matthews, Peter C. Schwartzkopf, Sarah McBride, David L. Wilson (Republican), Edward S. Osienski (Democratic), Spiros Mantzavinos (Democratic), Nicole Poore (Democratic), William Bush (Democratic), John "Jack" Walsh (Democratic), Laura V. Sturgeon (Democratic), Marie Pinkney (Democratic), Trey Paradee (Democratic), Kendra Johnson (Democratic), Bryan Townsend (Democratic), David P. Sokola (Democratic), S. Elizabeth Lockman (Democratic), and Russell Huxtable (Democratic).
- What is the current status of SB 245?
- This bill has been enacted into law. Introduced April 23, 2024. Enacted.
- Where can I track SB 245?
- Track SB 245 free on One Click Politics — get push/email alerts when it moves.
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