State • Indiana

SB 169: Reorganization of consumer lending laws.

Scott BaldwinIntroduced

SB 169 status: Introduced — Public Law 115 (updated Mar 5, 2026).

1

What this bill does

Overall score

Score65/100 civic fit
RiskModerate risk
ImpactHigh impact 80/100

Bill summary

Official

Repeals the statutes governing first lien mortgage lending, small loans, mortgage rescue protection fraud, and home loan practices and the Uniform Consumer Credit Code. Recodifies the repealed statutes in a new title of the Indiana Code concerning consumer lending (Title 37). Conforms the structure and organization of ...

Key analysis

Constitutionality95%
Bipartisan80%
Public opinion50%
2

Impact analysis

Environment

Mixed / Neutral
50%

Benefits

  • no direct effect identified

Risks

  • no direct effect identified

Economy

Positive Outlook
60%

Benefits

  • improves regulatory clarity
  • streamlines statutory compliance for lenders

Risks

  • transitional costs for compliance software and training

Society

Positive Outlook
60%

Benefits

  • organized law simplifies consumer understanding
  • reduces legislative fragmentation

Risks

  • potential for unintended ambiguity in language transposition
3

How trustworthy & consequential it is

Source

OpenStates

Confidence

low

low

Analysis status

OpenStates summary

Warning

LegiScan returned a PDF-only document. PDF extraction is not enabled in this build, so the pipeline used a safer fallback.

Limitation

Analysis based on bill abstract, not full statutory text.

4

Where it stands

1

Introduced

Current

Public Law 115

2

Committee

Upcoming
3

Floor

Upcoming
4

Governor

Upcoming
5

Enacted

Upcoming
5

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6

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