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Read. Follow. Verify.Missouri House Bill 1870 Raises Property Exemption Limits and Regulates Bank Garnishments
Last action · May 6, 2026: Delivered to Secretary of State (G)Sponsor: Lane Roberts
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What This Bill Does
House Bill 1870 updates Missouri's debtor property exemption limits, increases the exemption to $40,000, and establishes new uniform procedures for bank account s effective January 1, 2027. The measure also sets a triennial inflation adjustment schedule starting in 2029 for exemption values based on the Consumer Price Index.
Residents facing debt collection or bankruptcy will see higher protected dollar amounts for personal property, vehicles, and primary homes, while financial institutions must follow standardized rules and timelines for processing bank account s.
Who It Affects
Groups the bill's text affects, as described in the record. Being affected is not a position for or against it.
debtors
Debtors receive higher exemption limits protecting personal property, vehicles, and homestead equity from attachment and execution.
financial institutions
Banks and credit unions must follow standardized procedures, specific response timelines, and rules regarding account funds and look-back analyses when served with garnishments.
creditors
Creditors are subject to new procedural limitations on issuing multiple garnishments within thirty-day periods and must follow updated statutory guidelines.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
What is the new homestead exemption amount under HB 1870?
When do the new garnishment and exemption rules take effect?
How often will exemption amounts be adjusted for inflation after 2027?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Current status: Signed into law.
Procedural history
44 actions- May 6, 2026HouseDelivered to Secretary of State (G)
- May 6, 2026Governor of MissouriEnrolledApproved by Governor (G)
- Apr 23, 2026Governor of MissouriDelivered to Governor
- Apr 23, 2026SenateSigned by President Pro Tem (S)
- Apr 23, 2026HouseSigned by House Speaker (H)
- Apr 20, 2026HouseHouse Message (H)
Show 38 earlier actions
- Apr 20, 2026HouseTruly Agreed To and Finally Passed
- Apr 20, 2026HouseHouse Adopts (H)
- Apr 20, 2026HouseTaken Up
- Apr 20, 2026HouseCommitteeReported Do Pass (H)
- Apr 20, 2026HouseCommitteeVoted Do Pass (H)
- Apr 20, 2026HouseExecutive Session Completed (H)
- Apr 16, 2026HouseCommitteeReferred: Fiscal Review(H)
- Apr 16, 2026HouseReported to the House with... (H)
- Apr 15, 2026SenateFloorThird Read and Passed (S)
- Apr 15, 2026SenateSS Adopted (S)
- Apr 15, 2026HouseSS Offered
- Apr 15, 2026SenateTaken Up for Third Reading (S)
- Apr 8, 2026SenateCommitteeReported Do Pass (S)
- Apr 7, 2026SenateCommitteeVoted Do Pass (S)
- Apr 7, 2026SenateExecutive Session Held (S)
- Apr 1, 2026SenatePublic Hearing Held (S)
- Mar 26, 2026SenatePublic Hearing Scheduled (S)
- Mar 23, 2026SenateCommitteeSecond read and referred: Insurance and Banking(S)
- Mar 11, 2026SenateReported to the Senate and First Read (S)
- Mar 11, 2026HouseFloorThird Read and Passed (H)
- Mar 11, 2026HouseTaken Up for Third Reading (H)
- Mar 9, 2026HousePerfected with Amendments (H)
- Mar 9, 2026HouseHCS Adopted (H)
- Mar 9, 2026HouseTitle of Bill - Agreed To
- Mar 9, 2026HouseTaken Up for Perfection (H)
- Mar 4, 2026HousePlaced on the Informal Perfection Calendar (H)
- Feb 26, 2026HouseCommitteeReported Do Pass (H)
- Feb 26, 2026HouseCommitteeVoted Do Pass (H)
- Feb 26, 2026HouseExecutive Session Completed (H)
- Feb 19, 2026HouseCommitteeReferred: Rules - Administrative(H)
- Feb 18, 2026HouseCommitteeHCS Reported Do Pass (H)
- Feb 18, 2026HouseCommitteeHCS Voted Do Pass (H)
- Feb 18, 2026HouseExecutive Session Completed (H)
- Feb 11, 2026HousePublic Hearing Completed (H)
- Feb 5, 2026HouseCommitteeReferred: Financial Institutions(H)
- Jan 8, 2026HouseFloorRead Second Time (H)
- Jan 7, 2026HouseIntroducedRead First Time (H)
- Dec 1, 2025HouseIntroducedPrefiled (H)
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Triennial Exemption Indexing
HB 1870 introduces a permanent mechanism for automatically adjusting exemption limits every three years based on the Consumer Price Index starting in 2029.
Connected Entities
Sources
house.mo.gov
Analysis Score
0–100- Significance75How much this matters to a regular citizen
- Controversy20Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz25Current news / social attention level
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