Rhode Island 2026 Session Status: Enacted 2 D cosponsors

SB 3073 — AN ACT RELATING TO PROPERTY -- MORTGAGES OF REAL PROPERTY

Last action — 06/26/2026 Effective without Governor's signature

  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 March 13, 2026. Enacted.

Signed by Governor Dan McKee (Democratic) on June 26, 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

Likely to advance 74% · moderate confidence

  • Enacted

    Current position in the legislative process.

  • 2 sponsors

    2 primary, 0 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (2 D).

  • Cleared a recorded vote

    Passed 3 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.

In plain language

Limits mortgage prepayment rules to certain owner-occupied properties.

This bill restricts the rules about mortgage prepayments specifically to mortgages on owner-occupied properties that have one to four units. It aims to create clearer guidelines regarding prepayment for these types of homes.

What this means for you
  • Families: This means families holding mortgages on small owner-occupied homes may have clearer rules regarding prepayment.

Summary

Limits mortgage prepayment rules to mortgages on owner-occupied properties with one to four dwelling units.

Bill Text

Action History

  1. 06/26/2026 Effective without Governor's signature

  2. 06/18/2026 Transmitted to Governor

  3. 06/08/2026 House passed as amended in concurrence

  4. 06/05/2026 Placed on House Calendar (06/08/2026)

  5. 06/03/2026 Committee recommends passage as amended in concurrence

  6. 05/29/2026 Scheduled for consideration (06/03/2026)

  7. 05/08/2026 Referred to House Judiciary

  8. 05/07/2026 Senate passed as amended (floor amendment)

  9. 04/29/2026 Placed on Senate Calendar (05/07/2026)

  10. 04/28/2026 Committee recommends passage

  11. 04/24/2026 Scheduled for consideration (04/28/2026)

  12. 04/14/2026 Committee recommended measure be held for further study

  13. 04/10/2026 Scheduled for hearing and/or consideration (04/14/2026)

  14. 03/13/2026 Introduced, referred to Senate Commerce

Sponsors

Sponsorship breakdown

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2 sponsors · 0 co-sponsors · 112 not signed on

Sponsors (2)

Co-sponsors (0)

None.

Not signed on (112)

112 members have not signed on to this bill.

Show all 112 →

"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

IN CONCURRENCE

Passed 70 Yea · 0 Nay · 5 Other
Party YeaNayPresentNot Voting
Democratic 56005
Independent 1000
Republican 10000
Unaffiliated 3000
Total 70005
% of votes cast 93%0%0%7%
How each member voted (75)
Member Party Vote
Mr. Speaker — Yea
O'Brien — Yea
ShallcrossSmith — Yea
Alex Finkelman Democratic Yea
Alex Marszalkowski Democratic Yea
Anthony J. DeSimone Democratic Yea
Arthur Handy Democratic Yea
Arthur J. Corvese Democratic Yea
Brandon C. Potter Democratic Yea
Brandon T. Voas Democratic Yea
Brian Patrick Kennedy Democratic Yea
Carol Hagan McEntee Democratic Yea
Charlene M. Lima Democratic Not Voting
Cherie L. Cruz Democratic Yea
David A. Bennett Democratic Yea
David Morales Democratic Yea
Deborah A. Fellela Democratic Yea
Earl A. Read, III Democratic Yea
Edith H. Ajello Democratic Yea
Enrique George Sanchez Democratic Yea
Evan P. Shanley Democratic Yea
Grace Diaz Democratic Yea
Gregory J. Costantino Democratic Yea
Jacquelyn M. Baginski Democratic Yea
Jason Knight Democratic Yea
Jenni A. Furtado Democratic Yea
Jennifer A. Stewart Democratic Yea
Jennifer Smith Boylan Democratic Yea
John G. Edwards Democratic Yea
John J. Lombardi Democratic Yea
Jose F. Batista Democratic Yea
Joseph J. Solomon, Jr. Democratic Yea
Joseph M. McNamara Democratic Yea
Joshua J. Giraldo Democratic Yea
Julie A. Casimiro Democratic Yea
June Speakman Democratic Yea
Justine A. Caldwell Democratic Yea
K. Joseph Shekarchi Democratic Not Voting
Karen Alzate Democratic Yea
Katherine S. Kazarian Democratic Yea
Kathleen A. Fogarty Democratic Yea
Lauren H. Carson Democratic Yea
Leonela Felix Democratic Yea
Marvin L. Abney Democratic Yea
Mary Duffy Messier Democratic Yea
Matt S. Dawson Democratic Not Voting
Megan L. Cotter Democratic Yea
Mia A. Ackerman Democratic Yea
Michelle E. McGaw Democratic Yea
Nathan W. Biah Democratic Not Voting
Patricia A. Serpa Democratic Yea
Ramon A. Perez Democratic Not Voting
Raymond A. Hull Democratic Yea
Rebecca M. Kislak Democratic Yea
Robert D. Phillips Democratic Yea
Robert E. Craven, Sr. Democratic Yea
Samuel A. Azzinaro Democratic Yea
Scott A. Slater Democratic Yea
Stephen M. Casey Democratic Yea
Susan R. Donovan Democratic Yea
Teresa Ann Tanzi Democratic Yea
Terri Cortvriend Democratic Yea
Thomas E. Noret Democratic Yea
Tina L. Spears Democratic Yea
Jon D. Brien Independent Yea
Brian C. Newberry Republican Yea
Christopher G. Paplauskas Republican Yea
David J. Place Republican Yea
George A Nardone Republican Yea
Marie A. Hopkins Republican Yea
Michael W. Chippendale Republican Yea
Paul M. Santucci Republican Yea
Richard R. Fascia Republican Yea
Robert J. Quattrocchi Republican Yea
Sherry Roberts Republican Yea

Official roll call →

Passage as Amended

Passed 35 Yea · 0 Nay · 2 Other
Party YeaNayPresentNot Voting
Democratic 30003
Unaffiliated 2000
Republican 3000
Total 35003
% of votes cast 92%0%0%8%
How each member voted (38)
Member Party Vote
de la Cruz — Yea
Madam President — Yea
Alana M. DiMario Democratic Yea
Ana B. Quezada Democratic Yea
Andrew R. Dimitri Democratic Yea
Brian J. Thompson Democratic Not Voting
Bridget Valverde Democratic Yea
David P. Tikoian Democratic Yea
Dawn Euer Democratic Yea
Frank A. Ciccone III Democratic Yea
Hanna M. Gallo Democratic Not Voting
Jacob E. Bissaillon Democratic Yea
John P. Burke Democratic Yea
Jonathon Acosta Democratic Yea
Lammis J. Vargas Democratic Yea
Leonidas P. Raptakis Democratic Yea
Linda L. Ujifusa Democratic Yea
Lori Urso Democratic Yea
Louis P. DiPalma Democratic Yea
Mark McKenney Democratic Yea
Matthew L. LaMountain Democratic Yea
Meghan E. Kallman Democratic Yea
Melissa Murray Democratic Yea
Pamela J. Lauria Democratic Yea
Peter A. Appollonio Jr. Democratic Yea
Robert Britto Democratic Yea
Ryan W. Pearson Democratic Not Voting
Samuel D. Zurier Democratic Yea
Samuel W. Bell Democratic Yea
Stefano V. Famiglietti Democratic Yea
Tiara T. Mack Democratic Yea
Todd M. Patalano Democratic Yea
V. Susan Sosnowski Democratic Yea
Victoria Gu Democratic Yea
Walter S. Felag Jr. Democratic Yea
Elaine J. Morgan Republican Yea
Gordon E. Rogers Republican Yea
Thomas J. Paolino Republican Yea

Official roll call →

Approval of Amendment

Passed 32 Yea · 0 Nay · 5 Other
Party YeaNayPresentNot Voting
Democratic 29004
Unaffiliated 1001
Republican 2001
Total 32006
% of votes cast 84%0%0%16%
How each member voted (38)
Member Party Vote
de la Cruz — Yea
Madam President — Not Voting
Alana M. DiMario Democratic Yea
Ana B. Quezada Democratic Yea
Andrew R. Dimitri Democratic Yea
Brian J. Thompson Democratic Not Voting
Bridget Valverde Democratic Yea
David P. Tikoian Democratic Yea
Dawn Euer Democratic Yea
Frank A. Ciccone III Democratic Not Voting
Hanna M. Gallo Democratic Not Voting
Jacob E. Bissaillon Democratic Yea
John P. Burke Democratic Yea
Jonathon Acosta Democratic Yea
Lammis J. Vargas Democratic Yea
Leonidas P. Raptakis Democratic Yea
Linda L. Ujifusa Democratic Yea
Lori Urso Democratic Yea
Louis P. DiPalma Democratic Yea
Mark McKenney Democratic Yea
Matthew L. LaMountain Democratic Yea
Meghan E. Kallman Democratic Yea
Melissa Murray Democratic Yea
Pamela J. Lauria Democratic Yea
Peter A. Appollonio Jr. Democratic Yea
Robert Britto Democratic Yea
Ryan W. Pearson Democratic Not Voting
Samuel D. Zurier Democratic Yea
Samuel W. Bell Democratic Yea
Stefano V. Famiglietti Democratic Yea
Tiara T. Mack Democratic Yea
Todd M. Patalano Democratic Yea
V. Susan Sosnowski Democratic Yea
Victoria Gu Democratic Yea
Walter S. Felag Jr. Democratic Yea
Elaine J. Morgan Republican Not Voting
Gordon E. Rogers Republican Yea
Thomas J. Paolino Republican Yea

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 SB 3073 do?
Limits mortgage prepayment rules to mortgages on owner-occupied properties with one to four dwelling units.
Who sponsors SB 3073?
SB 3073 is sponsored by Mark McKenney (Democratic) and Robert Britto (Democratic).
What is the current status of SB 3073?
This bill has been enacted into law. Introduced March 13, 2026. Enacted.
Where can I track SB 3073?
Track SB 3073 free on One Click Politics — get push/email alerts when it moves.

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