Tennessee 114th General Assembly Status: Enacted 3 R cosponsors

SB 2190 — AN ACT to amend Tennessee Code Annotated, Title 39, Chapter 15, Part 5; Title 45, Chapter 2, Part 12; Title 45, Chapter 20; Title 47, Chapter 30 and Title 67, Chapter 4, Part 4, relative to reverse mortgages.

Last action — Comp. became Pub. Ch. 1027

  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 February 02, 2026. Enacted.

Signed by Governor Bill Lee (Republican) on April 30, 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 76% · moderate confidence

  • Enacted

    Current position in the legislative process.

  • 3 sponsors

    1 primary, 2 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (3 R).

  • 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

This bill amends laws related to reverse mortgages in Tennessee.

The bill enacts the 'Tennessee Reverse Mortgage Innovation Act' and updates existing laws on reverse mortgages. It aims to clarify and improve regulations governing these financial products.

What this means for you
  • Consumers: This means that consumers considering reverse mortgages may find clearer regulations and potentially improved options.

Summary

Mortgages - As enacted, enacts the "Tennessee Reverse Mortgage Innovation Act." - Amends TCA Title 39, Chapter 15, Part 5; Title 45, Chapter 2, Part 12; Title 45, Chapter 20; Title 47, Chapter 30 and Title 67, Chapter 4, Part 4.

Bill Text

Action History

  1. Filed for introduction

  2. Intro., P1C.

  3. P2C, ref. to Commerce Committee

  4. Assigned to s/c Banking & Consumer Affairs Subcommittee

  5. Placed on s/c cal Banking & Consumer Affairs Subcommittee for 3/4/2026

  6. Rec for pass if am by s/c ref. to Commerce Committee

  7. Placed on cal. Commerce Committee for 3/11/2026

  8. Rec. for pass. if am., ref. to Calendar & Rules Committee

  9. Sponsor(s) Added.

  10. Placed on cal. Calendar & Rules Committee for 3/19/2026

  11. H. Placed on Regular Calendar for 3/26/2026

  12. Sponsor(s) Added.

  13. H. adopted am. (Amendment 1 - HA0661)

  14. Passed H., as am., Ayes 69, Nays 13, PNV 3

  15. Engrossed; ready for transmission to Sen.

  16. Received from House, Passed on First Consideration

  17. Senate substituted House Bill for companion Senate Bill.

  18. Amendment withdrawn. (Amendment 1 - SA1018)

  19. Passed Senate, Ayes 26, Nays 4, PNV 1

  20. Enrolled; ready for sig. of H. Speaker.

  21. Signed by H. Speaker

  22. Signed by Senate Speaker

  23. Transmitted to Governor for his action.

  24. Signed by Governor.

  25. Pub. Ch. 1027

  26. Effective date(s) 05/19/2026

  27. Filed for introduction

  28. Introduced, Passed on First Consideration

  29. Passed on Second Consideration, refer to Senate Commerce and Labor Committee

  30. Placed on Senate Commerce and Labor Committee calendar for 3/3/2026

  31. Action deferred in Senate Commerce and Labor Committee to 3/10/2026

  32. Placed on Senate Commerce and Labor Committee calendar for 3/10/2026

  33. Action deferred in Senate Commerce and Labor Committee to 3/17/2026

  34. Placed on Senate Commerce and Labor Committee calendar for 4/7/2026

  35. Recommended for passage with amendment/s, refer to Senate Calendar Committee Ayes 8, Nays 0 PNV 1

  36. Placed on Senate Regular Calendar for 4/20/2026

  37. Placed on Senate Regular Calendar for 4/20/2026

  38. Sponsor(s) Added.

  39. Companion House Bill substituted

  40. Sponsor(s) Added.

  41. Comp. became Pub. Ch. 1027

Sponsors

Sponsorship breakdown

Export CSV (upgrade) →

1 sponsors · 2 co-sponsors · 130 not signed on

Sponsors (1)

Co-sponsors (2)

Not signed on (130)

130 members have not signed on to this bill.

Show all 130 →

"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

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 2190 do?
Mortgages - As enacted, enacts the "Tennessee Reverse Mortgage Innovation Act." - Amends TCA Title 39, Chapter 15, Part 5; Title 45, Chapter 2, Part 12; Title 45, Chapter 20; Title 47, Chapter 30 and Title 67, Chapter 4, Part 4.
Who sponsors SB 2190?
SB 2190 is sponsored by Stevens, John (Republican), Gardenhire, Todd (Republican), and Bowling, Janice (Republican).
What is the current status of SB 2190?
This bill has been enacted into law. Introduced February 02, 2026. Enacted.
Where can I track SB 2190?
Track SB 2190 free on One Click Politics — get push/email alerts when it moves.

Make your voice heard on SB 2190

Find the representatives who decide this bill and tell them where you stand — for yourself, or mobilize your whole list in one click with One Click Politics advocacy software.

Find my representatives → Run a campaign

Stay ahead of SB 2190

Last checked for changes 3 months ago · updated continuously

One Click Politics tracks every bill in Congress and all 50 states.

Track this bill →