IndianaIndiana puts personal loan and home loan rules together
Starting July 1, 2026, Indiana’s borrowing rules sit in Title 37 of state law, while borrowers and lenders keep their existing rights and duties.
What it does
Starting July 1, 2026, rules for personal borrowing and home loans sit together in Title 37 of Indiana’s laws. The act preserves how these rules work.
Covered businesses have until July 1, 2027, to update documents, websites, and other business messages. State agencies must update their rules before January 1, 2028.
Argument forPutting lending rules together could help borrowers and lenders find the rules they need while keeping existing rights and duties.
Argument againstRenumbering the laws could require lenders to review documents and websites, even with extra time allowed for updates.
More detail
The act places lending rules together in Title 37 of Indiana’s laws. The grouped rules cover personal borrowing and home lending. Each of the five parts says the reorganization preserves how the earlier law works. Title 37 takes effect July 1, 2026.
Covered businesses must update their materials, and the Department of Financial Institutions and secretary of state must update their rules. The materials include documents, websites, and other business messages covered by the reorganized lending laws. Existing rules continue until they are changed, canceled, or paused. Businesses have until July 1, 2027, to update materials; the agencies must update rules before January 1, 2028.
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Where it stands
- Introduced
- Passed Senate
- Passed House
- To Governor
- Became Law
Looking ahead
No hearings or votes scheduled.
History
- 2026
- Mar 5Public Law 115Latest
- Mar 5Signed by the Governor Mike BraunBecame Law
- Feb 27Signed by the SpeakerMajor
- Feb 27Signed by the President of the SenateMajor
- Feb 27Signed by the President Pro TemporeMajor
- Feb 25Senate concurred with House amendments; Roll Call 278: yeas 46, nays 0
- Vote recorded SB 169 - Baldwin. Result: pass.Upper
- Feb 24Motion to concur filedMinor
- Feb 24Returned to the Senate with amendmentsMinor
- Feb 23Third reading: passed; Roll Call 305: yeas 93, nays 1Passed House
- Vote recorded SB 169 - Teshka - 3rd Reading. Result: pass.Lower
- Feb 19Second reading: ordered engrossedMinor
- Feb 17Committee report: amend do pass, adoptedMinor
- Jan 28First reading: referred to Committee on Financial InstitutionsMinor
- Jan 23Referred to the HouseMinor
- Jan 22House sponsor: Representative Teshka
- Vote recorded SB 169 - Baldwin - 3rd Reading. Result: pass.Upper
- Jan 22Third reading: passed; Roll Call 53: yeas 43, nays 1Passed Senate
- Jan 20Second reading: ordered engrossedMinor
- Jan 15Senator Randolph added as coauthor
- Jan 15Committee report: amend do pass, adoptedMinor
- Jan 5Authored by Senator Baldwin
- Jan 5First reading: referred to Committee on Insurance and Financial InstitutionsIntroduced
Consumer Protection