HB 2636: Establishes the "Uniform Mortgage Modification Act"
HB 2636 status: Introduced — Delivered to Secretary of State (G) (updated Jul 9, 2026).
What this bill does
Overall score
Bill summary
OfficialEstablishes the "Uniform Mortgage Modification Act". Currently in House.
Key analysis
Impact analysis
Environment
Benefits
- No direct impact on environmental policy identified
Risks
- No direct impact on environmental policy identified
Economy
Benefits
- Standardization may increase market efficiency
- Potential for more uniform modification processes
Risks
- Potential compliance costs for mortgage lenders
- Unknown impact on existing market contractual frameworks
Society
Benefits
- May provide clearer guidelines for distressed homeowners
- Uniformity could reduce legal ambiguity for borrowers
Risks
- Potential for unforeseen limitations on borrower relief
- Unclear how it interacts with state-specific foreclosure protections
How trustworthy & consequential it is
Source
OpenStates
Confidence
lowlow
Analysis status
Bill metadata only
LegiScan returned a PDF-only document. PDF extraction is not enabled in this build, so the pipeline used a safer fallback.
Analysis based strictly on metadata as no bill text is available
Where it stands
Introduced
CurrentDelivered to Secretary of State (G)
Committee
UpcomingFloor
UpcomingGovernor
UpcomingEnacted
UpcomingHow it affects your district
Set your location
Add your district to see how this bill may affect your community and who to contact.
Take action
Contact your representatives
Let them know how you feel about this bill.
Share your view
Join the discussion and see what others are saying.
Track this bill
Stay updated on progress and changes.