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Read. Follow. Verify.Iowa Senate Passes Bill Overhauling Debt Management Program Rules, Fees, and Licensee Requirements
Last action · April 27, 2026: Amendment S-5214 filed. S.J. 897 .
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What This Bill Would Do
Senate File 2298 revises regulations for debt management service providers by altering account requirements, permitting third-party under certain models, establishing new conditions for fee collection, and exempting licensed debt management providers from credit services organization regulations.
Debt management clients and licensed providers face modified fee structures, new account maintenance rules, and altered third-party compensation allowances that dictate when and how service fees may be charged and collected.
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
debt management licensees
Providers face altered rules regarding account maintenance, fee collection milestones, third-party consideration allowances, and an exemption from credit services organization laws.
debtors enrolled in debt management programs
Debtors experience new conditions governing when fees can be charged by providers and how individual debt alterations affect total service costs.
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
Are debt management licensees still subject to credit services organization regulations?
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News Coverage
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Votes, people, money & the original sourceWhere This Stands
Currently passed both. The next step in the legislative lifecycle is Law.
Procedural history
27 actions- Apr 27, 2026SenateAmendment S-5214 filed. S.J. 897 .
- Apr 20, 2026SenateAmendment S-5199 filed. S.J. 841 .
- Apr 20, 2026SenateAmendment S-5198 filed. S.J. 841 .
- Apr 2, 2026SenateIntroducedRead first time, attached to SF 2298 . S.J. 710 .
- Apr 2, 2026HouseMessage from House. S.J. 710 .
- Apr 2, 2026SenateAttached to HF 2326 . S.J. 710 .
Show 21 earlier actions
- Apr 1, 2026HouseImmediate message. H.J. 801 .
- Apr 1, 2026HouseFloorPassed House , yeas 90, nays 2. H.J. 792 .
- Apr 1, 2026HouseFloorAmendment H-8274 adopted. H.J. 792 .
- Mar 31, 2026HouseAmendment H-8274 filed. H.J. 785 .
- Mar 19, 2026HousePlaced on calendar under unfinished business. H.J. 691 .
- Mar 19, 2026SenatePlaced on calendar under unfinished business. S.J. 600 .
- Feb 12, 2026SenateCommittee report, approving bill. S.J. 281 .
- Feb 12, 2026SenateIntroducedIntroduced, placed on calendar. S.J. 269 .
- Feb 11, 2026Iowa LegislatureCommittee report approving bill, renumbered as SF 2298 .
- Feb 6, 2026HouseIntroducedIntroduced, placed on calendar. H.J. 226 .
- Feb 6, 2026Iowa LegislatureCommittee report approving bill, renumbered as HF 2326 .
- Feb 4, 2026HouseCommittee vote: Yeas, 17. Nays, 6. Excused, 0. H.J. 207 .
- Feb 4, 2026HouseCommittee report, recommending passage. H.J. 207 .
- Feb 3, 2026Iowa LegislatureSubcommittee Meeting: 02/03/2026 12:00PM Room 217 Conference Room.
- Feb 3, 2026Iowa LegislatureSubcommittee recommends passage.
- Jan 29, 2026Iowa LegislatureSubcommittee recommends passage.
- Jan 29, 2026Iowa LegislatureSubcommittee Meeting: 01/29/2026 1:00PM RM 103.
- Jan 28, 2026Iowa LegislatureSubcommittee: Reichman, Knox, and Schultz.
- Jan 28, 2026Iowa LegislatureIntroducedIntroduced, referred to Commerce.
- Jan 22, 2026HouseSubcommittee: Lawler, McBurney and Nordman. H.J. 147 .
- Jan 22, 2026HouseIntroducedIntroduced, referred to Commerce. H.J. 144 .
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.
Connected Entities
Sources
www.legis.iowa.gov
Analysis Score
0–100- Significance50How much this matters to a regular citizen
- Controversy15Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz25Current news / social attention level
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