2025-2026 Regular SessionTennessee Legislature

HB0908: AN ACT to amend Tennessee Code Annotated, Title 45 and Title 47, relative to interest on home loans.

Legislative Summary

As introduced, removes the weighted average yield of the accepted offers of the Federal National Mortgage Association's current free market system auction and the 30-year treasury yield as the two bases upon which the maximum effective rate of interest on home loans may be set by the commissioner of financial institutions, and replaces them with the average prime offer rate. - Amends TCA Title 45 and Title 47.

Demographic Impact

Overall analysis of equity impact

60% Positive
Medium ConfidenceView detailed demographic breakdown ↓

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Bill History

2/4/2025
Filed for introduction
House of Representatives
2/5/2025
Intro., P1C.
House of Representatives
2/6/2025
P2C, ref. to Commerce Committee
House of Representatives
2/10/2025
Assigned to s/c Banking & Consumer Affairs Subcommittee
House of Representatives
2/12/2025
Placed on s/c cal Banking & Consumer Affairs Subcommittee for 2/19/2025
House of Representatives
2/19/2025
Rec. for pass by s/c ref. to Commerce Committee
House of Representatives
2/19/2025
Placed on cal. Commerce Committee for 2/26/2025
House of Representatives
2/26/2025
Rec. for pass; ref to Calendar & Rules Committee
House of Representatives
2/26/2025
Placed on cal. Calendar & Rules Committee for 2/27/2025
House of Representatives
2/27/2025
H. Placed on Consent Calendar for 3/3/2025
House of Representatives
3/3/2025
Passed H., Ayes 90, Nays 0, PNV 0
House of Representatives
3/4/2025
Engrossed; ready for transmission to Sen.
House of Representatives
3/6/2025
Received from House, Passed on First Consideration
Senate
3/17/2025
Senate substituted House Bill for companion Senate Bill.
Senate
3/17/2025
Senate Reset on calendar for 3/20/2025
Senate
3/18/2025
Placed on Senate Regular Calendar for 3/20/2025
Senate
3/20/2025
Senate Reset on calendar for 4/7/2025
Senate
4/4/2025
Placed on Senate Regular Calendar for 4/7/2025
Senate
4/7/2025
Passed Senate, Ayes 24, Nays 5, PNV 1
Senate
4/8/2025
Enrolled; ready for sig. of H. Speaker.
House of Representatives
4/10/2025
Signed by H. Speaker
House of Representatives
4/14/2025
Signed by Senate Speaker
Senate
4/16/2025
Transmitted to Governor for his action.
House of Representatives
4/24/2025
Signed by Governor.

Roll Call Votes

FLOOR VOTE: Third Consideration
4/7/2025
24
Yea
5
Nay
1
Not Voting
0
Absent
Result: PASSED
FLOOR VOTE: MOTION TO RECALL FROM SENATE
3/27/2025
23
Yea
70
Nay
0
Not Voting
0
Absent
Result: FAILED
FLOOR VOTE: CONSENT CALENDAR PASSAGE ON THIRD CONSIDERATION
3/3/2025
89
Yea
0
Nay
0
Not Voting
0
Absent
Result: PASSED
HOUSE COMMERCE COMMITTEE: Rec. for pass; ref to Calendar & Rules Committee
2/26/2025
21
Yea
0
Nay
0
Not Voting
0
Absent
Result: PASSED
HOUSE BANKING AND CONSUMER AFFAIRS SUBCOMMITTEE: Rec. for pass by s/c ref. to Commerce Committee
2/19/2025
5
Yea
0
Nay
0
Not Voting
0
Absent
Result: PASSED

Status Information

Current Status
Passed(4/24/2025)
Chamber
House of Representatives

Sponsors

Republican: 1

Documents

Draft
Bill Text2/4/20258.1 KB
Fiscal Note
Fiscal Note2/13/2025140.8 KB