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HB 2497KANSASSession 2025-2026State BillSigned into law
Enacted

Kansas bans home loan prepayment penalties after six months

Original title: AN ACT concerning financial institutions; relating to loans; prohibiting the assessment of a prepayment penalty against any party more than six months after the execution of a note evidencing a home loan made primarily for personal, family or household purposes secured by a real estate mortgage; amending K.S.A. 2025 Supp. 16-207 and repealing the existing section.

Last action · April 9, 2026: Engrossed on Tuesday, March 31, 2026

Bill progressHistory & official text ↓
Introduced
Committee
Floor Vote
Passed
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What This Bill Does

Kansas law now prohibits lenders from assessing a on home loans made for personal, family, or household purposes when the prepayment occurs more than six months after the note's execution. This change applies to mortgages secured by real estate, amending K.S.A. 2025 Supp. 16-207.

Why it matters

Homeowners who pay off or refinance their mortgages after the initial six-month window can no longer be charged a fee by lenders for early repayment.

Who It Affects

Groups the bill's text affects, as described in the record. Being affected is not a position for or against it.

Directly affected

home loan borrowers

Borrowers cannot be assessed a prepayment penalty on home loans made for personal, family, or household purposes after six months from execution.

Directly affected

lenders

Lenders are barred from collecting prepayment penalties on personal home loans after the initial six-month period.

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

Can a lender charge me a fee for paying off my mortgage early in Kansas?
Lenders are prohibited from assessing a on personal, family, or household home loans secured by a if the prepayment occurs more than six months after the note is executed.
Are business or agricultural loans affected by this prepayment rule?
No, business or agricultural transactions are exempt from the restrictions.

What else do you want to know?

News Coverage

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Where This Stands

Current status: Signed into law.

Procedural history

23 actions
  1. Apr 9, 2026House
    Engrossed on Tuesday, March 31, 2026
  2. Apr 9, 2026House
    Enrolled and presented to Governor on Friday, April 3, 2026
  3. Apr 9, 2026HouseEnrolled
    Approved by Governor on Thursday, April 9, 2026
  4. Mar 26, 2026HouseFloor
    Conference Committee Report was adopted
  5. Mar 25, 2026Senate
    Conference committee report now available
  6. Mar 25, 2026SenateFloor
    Conference Committee Report was adopted
Show 17 earlier actions
  1. Mar 24, 2026SenateFloor
    Motion to accede adopted; Senator Dietrich, Senator Fagg, Senator Miller, , appointed as conferees
  2. Mar 23, 2026House
    Nonconcurred with amendments; Conference Committee requested; appointed , and
  3. Mar 19, 2026SenateFloor
    Final Action - Passed as amended
  4. Mar 18, 2026Senate
    Committee of the Whole - Now working on
  5. Mar 18, 2026SenateFloor
    Committee of the Whole - Committee Report be adopted
  6. Mar 18, 2026SenateFloor
    Committee of the Whole - Be passed as amended
  7. Mar 17, 2026SenateFloor
    Committee Report recommending bill be passed as amended by
  8. Mar 4, 2026Senate
    Hearing: Wednesday, March 4, 2026, 9:30 AM — Room 546-S
  9. Feb 19, 2026SenateCommittee
    Referred to Senate Committee on Financial Institutions and Insurance
  10. Feb 18, 2026HouseFloor
    Final Action - Passed
  11. Feb 18, 2026SenateIntroduced
    Received and Introduced
  12. Feb 17, 2026House
    Committee of the Whole - Now working on
  13. Feb 17, 2026HouseFloor
    Committee of the Whole - Be passed
  14. Feb 3, 2026HouseFloor
    Committee Report recommending bill be passed by
  15. Jan 26, 2026House
    Hearing: Monday, January 26, 2026, 9:00 AM — Room 582-N
  16. Jan 21, 2026HouseIntroduced
    Introduced
  17. Jan 21, 2026HouseCommittee
    Referred to House Committee on Financial Institutions and Pensions

Version history

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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.

Discoveries

1 pattern noticed across the record

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift98% confidence

Limitation on Mortgage Prepayment Penalties

Kansas law establishes a strict six-month window after which personal home loan prepayment penalties are completely prohibited.

Connected Entities

House Committee on Financial Institutions and Pensions
OrganizationHouse Committee on Financial Institutions and Pensions“House Committee on Financial Institutions and Pensions”Map →

Sources

Open source document

www.kslegislature.gov

Analysis Score

0–100
  • Significance60
    How much this matters to a regular citizen
  • Controversy20
    Intensity of disagreement among stakeholders
  • Entertainment5
    Compellingness for a non-policy-wonk reader
  • Buzz15
    Current news / social attention level

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