StateRhode Island

SB 3361: AN ACT RELATING TO PROPERTY -- MORTGAGE FORECLOSURE AND SALE

Matt LaMountainEnacted

SB 3361 status: Enacted — 06/24/2026 Signed by Governor (updated Jun 24, 2026).

1

What this bill does

Overall score

Score50/100 civic fit
RiskHigh risk
ImpactModerate impact 45/100

Bill summary

Official

This change makes it easier for companies to send important legal notices (like those about foreclosures or military protections). Instead of being forced to use "certified mail" (which requires a signature), they can now use regular mail or overnight delivery services.

Key analysis

Constitutionality50%
Bipartisan50%
Public opinion50%
2

Impact analysis

Environment

Mixed / Neutral
50%

Benefits

  • No direct impact identified

Risks

  • No direct impact identified

Economy

Mixed / Neutral
50%

Benefits

  • Reduces administrative costs for mortgage lenders and servicers
  • Streamlines notice delivery processes

Risks

  • Increased potential for disputes regarding receipt of foreclosure notices
  • Potential for reduced legal certainty in property transfers

Society

Mixed / Neutral
45%

Benefits

  • None identified

Risks

  • Reduced verifiable proof of notice delivery for homeowners
  • Potential increased risk of involuntary property loss without actual knowledge
3

How trustworthy & consequential it is

Source

OpenStates

Confidence

low

low

Analysis status

OpenStates summary

Warning

Removal of certified return-receipt requirements complicates proof-of-service in legal proceedings

Limitation

Abstract does not provide details on safeguards against non-receipt of mail

4

Where it stands

06/24/2026 Signed by Governor

Introduced

Complete

Committee

Complete

Floor

Complete

Governor

Complete

Enacted

Complete
5

How it affects your district

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6

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