Available Bills / Regulations (74 bills / regs.)

Bill/Reg. # Categories Summary Status Arizona Banking: Operations DOI; DFI; omnibus 03/24/2020 - SB 1293 Insurance Products: Governor Signed 2020 Insurance Regulation History David Livingston Mortgage Lending: Licensing Brokers

Arizona COVID-19: General budget procedures; budget reconciliation; 2020-2021. 03/28/2020 - SB 1690 Mortgage Lending: Governor Signed 2020 Foreclosure Prevention History Sponsor was not provided

Colorado Mortgage Lending: Concerning an exemption from the definition of a real estate appraisal of analyses prepared by agents of financial 03/11/2020 - SB 47 Appraisals institutions for the institutions' internal use only. Governor Signed 2020 History Angela Williams

District of Mortgage Lending: Reverse Mortgage Insurance and Tax Payment Program Emergency Amendment Act of 2020 03/17/2020 - Columbia Mortgage Insurance, Enacted and Signed B23 688 Reverse Mortgages with Act Number 2019 Tax - Financial Issues: A23-0253, Expires Bonds Deeds/Mortgage Tax, on Jun 15, 2020; Insurance Premium Tax Returned from Mayor; Act A23- 0253 Published in DC Register Vol 67 and Page 3470, Expires on Jun 15, 2020 History Idaho Mortgage Lending: UNIFORM REAL PROPERTY ELECTRONIC RECORDING ACT - Amends and repeals existing law to dissolve the 03/09/2020 - HB 348 General, Mortgage Loan Electronic Recording Commission. Reported Signed by 2020 Administration Governor; 2020 JUDICIARY, Session Law RULES AND Chapter 43 ADMINISTRATION Effective: COMMITTEE 07/01/2020 History

FOCUS, A Leonine Business - 04/02/2020 - 74 bills/regs. | CONFIDENTIAL 1 of 14 Bill/Reg. # Categories Summary Status Idaho Closings MORTGAGE PRACTICES - Amends, repeals, and adds to existing law to revise the regulations and requirements for 03/11/2020 - HB 401 Mortgage Lending: mortgage lenders in this state. Reported Signed by 2020 General, Licensing Brokers, Governor; Session BUSINESS Licensing Loan Law Chapter 100 COMMITTEE Originators/Servicers, Effective: Mortgage Loan 07/01/2020 Administration, Mortgage History Restrictions

Idaho Mortgage Lending: REAL ESTATE APPRAISERS - Amends existing law to remove unnecessary verbiage, to specify certain requirements 03/11/2020 - HB 421 Appraisal Management regarding fees collected and to require that certain AMC owners and key persons meet minimum federal Reported Signed by 2020 Companies, Appraisals requirements. Governor; Session BUSINESS Law Chapter 104 COMMITTEE Effective: 07/01/2020 History Idaho Mortgage Lending: REAL ESTATE BROKERS - Amends existing law to clarify provisions regarding the availability of real estate brokers 03/11/2020 - HB 476 Licensing Brokers and to remove provisions regarding broker and branch manager absences. Reported Signed by 2020 Governor; Session BUSINESS Law Chapter 106 COMMITTEE Effective: 07/01/2020 History Idaho Mortgage Lending: APPROPRIATIONS - DEPARTMENT OF FINANCE - Relates to the appropriation to the Department of Finance for 03/11/2020 - HB 541 General, Licensing Brokers, fiscal years 2021 and 2020. Reported Signed by 2020 Licensing Loan Governor; Session APPROPRIATIONS Originators/Servicers Law Chapter 109 COMMITTEE Effective: 03/11/2020 SECTION 5; 07/01/2020 all other SECTIONS History Idaho Mortgage Lending: FIRST-TIME HOME BUYERS - Adds to existing law to provide for first-time home buyer savings accounts. 03/24/2020 - HB 589 Mortgage Loan Reported Signed by 2020 Administration Governor on March REVENUE AND 24, 2020 Session TAXATION Law Chapter COMMITTEE Effective:Retroactive to 01/01/2020 History Indiana Mortgage Lending: Business associations. Amends the statute governing franchises. Amends the statute governing continuing care 03/21/2020 - Signed HB 1049 Appraisals, Licensing Loan contracts to provide that if a provider posts a letter of credit, negotiable securities, or a bond as an alternative to by the Governor; 2020 Originators/Servicers establishing an escrow account for the deposit of entrance fees, as otherwise required by the statute, the amount Public Law 152 Rep. Bob Heaton Vehicle Finance: posted must be at least equal to the maximum amount of entrance fees reasonably anticipated by the provider to History (R-IN) Franchise otherwise be subject to the escrow requirements.

FOCUS, A Leonine Business - 04/02/2020 - 74 bills/regs. | CONFIDENTIAL 2 of 14 Bill/Reg. # Categories Summary Status Indiana Banking: Alternate ID, Resolves technical conflicts and addresses technical errors in the Indiana Code. (The introduced version of this bill 03/21/2020 - Signed HB 1096 Banking Fees, General, was prepared by the code revision commission.) by the Governor; 2020 Operations, Public Deposits Public Law 156 Rep. John Young Credit and Debit Cards: History (R-IN) Debit Cards, General, Rates/Fees/Penalties, Terms and Conditions Mortgage Lending: Appraisals Prepaid Cards: General Tax - Financial Issues: Corporate Taxes, Vehicle Sales Tax UDAP & UDAAP Vehicle Finance: Vehicle Sales Tax

Indiana Ancillary Products: Credit Financial institutions and consumer credit. Makes various changes to the statutes concerning: (1) first lien mortgage 03/18/2020 - Signed HB 1353 Monitoring lenders; (2) persons licensed under the Uniform Consumer Credit Code (UCCC); (3) civil proceeding advance by the Governor; 2020 Banking: General payment providers; (4) debt management companies; (5) banks; (6) credit unions; (7) pawnbrokers; (8) money Public Law 129 Rep. Woody transmitters; and (9) licensed cashers of checks. Repeals a provision in the statute governing credit unions that History Debt and Collections: Burton (R-IN) concerns loans made by a credit union to the credit union's individual directors and committee members. Amends a Debt Settlement Companies provision in the statute governing credit unions that concerns loans made by a credit union to the credit union's Electronic Commerce: individual officers to: (1) include extensions of credit made to the credit union's individual directors and supervisory Money Transmission committee members (and to the immediate family members and related interests of the credit union's individual Lending: General, directors and supervisory committee members); and (2) specify that such extensions of credit shall be made in Pawnbrokers accordance with Regulation O of the Board of Governors of the Federal Reserve System. Provides that an appraisal Mortgage Lending: required in connection with a real estate mortgage loan to a credit union member must be: (1) a written appraisal; or Appraisals, General, (2) a written estimate of market value; consistent with the appraisal standards and transaction value limitations set Mortgage Loan forth in the appraisal regulations of the National Credit Union Administration. Administration, SAFE Act/NMLSR Personal Loans: General

Indiana Banking: Operations Various trust and probate issues. Makes various changes to trust and probate laws concerning proof of title 03/18/2020 - Signed SB 50 Litigation: Tort Reform affidavits, small estate affidavits, execution of a trust by a third party, silent trusts, nonjudicial settlements of accounts, by the Governor; 2020 and legacy trusts. Makes technical corrections. (The introduced version of this bill was prepared by the probate code Public Law 56 Mortgage Lending: Sen. Aaron study commission.) History Mortgage Loan Freeman (R-IN) Administration

Indiana Mortgage Lending: Lien Rural communications cooperatives. Changes the rural telephone cooperative act to the rural communications 03/18/2020 - Signed SB 343 Priority cooperative act, allowing the formation of nonprofit cooperative corporations for the purposes of providing by the President of 2020 Real Estate: General, Liens telecommunications service and information service, including video service, broadband service, and VOIP service. the Senate; Signed Sen. Erin Houchin Makes conforming amendments. by the Governor; (R-IN) Public Law 81 History

FOCUS, A Leonine Business - 04/02/2020 - 74 bills/regs. | CONFIDENTIAL 3 of 14 Bill/Reg. # Categories Summary Status Indiana Mortgage Lending: Central Indiana regional development authority. Authorizes counties and municipalities within the Indianapolis 03/18/2020 - Signed SB 350 Mortgage Loan metropolitan area to establish a central Indiana regional development authority pilot that will sunset on July 1, 2025. by the President of 2020 Administration Requires counties and municipalities that wish to establish the development authority to adopt substantially similar the Senate; Signed Sen. Travis Real Estate: resolutions to adopt a preliminary strategic economic development plan (preliminary development plan). by the Governor; Holdman (R-IN) Condemnation, General Public Law 83 History Indiana Ancillary Products: Credit Uniform Consumer Credit Code. Amends the Uniform Consumer Credit Code (UCCC) as follows: (1) Changes: (A) 03/18/2020 - Signed SB 395 Insurance/Debt Suspension from July 1 of each even-numbered year to January 1 of each odd-numbered year the effective date for the by the President of 2020 Banking: Banking Fees adjustment, based on changes in the Consumer Price Index, of various dollar amounts set forth in the UCCC; and (B) the Senate; Signed Sen. Eric Bassler the corresponding date that precedes the adjustment date and by which the department of financial institutions by the Governor; Convenience Fees (R-IN) (department) must issue an emergency rule announcing the adjustment. (2) For an agreement for a consumer credit Public Law 85 Lending: All-In Rate Caps, sale entered into after June 30, 2020: (A) authorizes a seller to contract for and receive a nonrefundable prepaid History Licensing finance charge based on the amount financed, in addition to the credit service charge and any other authorized Mortgage Lending: charges and fees; and (B) prohibits precomputed consumer credit sales. (3) Repeals a provision concerning the General credit service charge for revolving charge accounts and relocates the language to the provision concerning the Personal Loans: 36 authorized credit service charge for consumer sales. (4) For an agreement for a consumer loan entered into after Percent & Lower Caps, June 30, 2020: (A) changes the amount of the authorized nonrefundable prepaid finance charge from $50 to an Points/Fees amount that is not more than: (i) $75; (ii) $150; or (iii) $200; based on the amount financed, in the case of a consumer loan not secured by an interest in land; and (B) prohibits precomputed consumer loans. Makes conforming Real Estate: Liens changes with respect to supervised loans. Changes from $1.50 to $3 the amount of the fee that a lessor in a rental purchase agreement may impose for accepting rental payments by telephone. Makes conforming technical amendments throughout the UCCC to reflect the bill's changes Iowa Mortgage Lending: A bill for an act relating to filing requirements applicable to extensions of real estate conveyances or transactions 03/12/2020 - Signed SF 2137 General, Mortgage Loan under specified circumstances. by Governor. S.J. 2019 - 2020 Administration 615. COMMITTEE ON Real Estate: History COMMERCE Transfers/Conveyances Related Bills: SSB 3004 HSB 614 HF 2415 Iowa COVID-19: General A bill for an act relating to state and local finances by making and supplementing appropriations, providing for legal 03/17/2020 - Signed SF 2408 Mortgage Lending: and regulatory responsibilities, providing for other properly related matters, and including effective date provisions. by governor 2019 - 2020 Foreclosure Prevention Effective date: 03/17/2020, 07/01/2020. History Sen. (R-IA)

Related Bills: HF 2625

Kansas Ancillary Products: Appropriations for FY 2020, 2021 and 2022 for various state agencies. 03/25/2020 - SB 66 General Approved by 2019 - 2020 COVID-19: General Governor Committee on History Insurance Products: Financial Insurance Regulation Institutions and Insurance Mortgage Lending: Appraisals Real Estate: Transfers/Conveyances

FOCUS, A Leonine Business - 04/02/2020 - 74 bills/regs. | CONFIDENTIAL 4 of 14 Bill/Reg. # Categories Summary Status Kentucky Mortgage Lending: Establish KRS Chapter 390 and create new sections thereof to define various terms; specify the governing law over a 03/27/2020 - signed HB 154 General power of appointment; state that common law supplements this chapter; outline the creation of a power of by Governor 2020 appointment; prohibit the transfer of a power of appointment; specify general presumptions upon a power of History Rep. Ed Massey appointment's creation; make an exception to the general presumption about a power of appointment; define (R-KY) "adverse party"; allow a donor to revoke or amend a power of appointment in certain instances; state when a power of appointment may be exercised; provide that a residuary clause manifests a powerholder's intent to exercise a power of appointment; state that a blanket-exercise clause extends to a power acquired by the powerholder after executing the instrument containing the clause; require substantial compliance with a formal requirement of appointment; outline permissible appointments; provide that appointment to a deceased appointee is ineffective and appointment to an impermissible appointee is ineffective; require a powerholder's intent to be carried out in cases of selective allocation; establish the procedure for disposition of property ineffectively appointed; provide for the disposition of unappointed property under released or unexercised general power; provide for the disposition of unappointed property under released or unexercised nongeneral power; provide for the disposition of unappointed property if partial appointment is to the taker in default; provide for the disposition of property appointed to the taker in default; allow a powerholder to revoke or amend an exercise; allow a powerholder to disclaim a power of appointment or contract to appoint or not appoint any property subject to the power; allow a powerholder to release a power of appointment; state the method in which a powerholder may release a power of appointment; allow a powerholder to revoke or amend a release of power; allow a powerholder of a presently exercis... (please see State site for full summary) Maine Mortgage Lending: An Act To Amend the Real Estate Appraisal Management Company Laws 03/18/2020 - LD 1924 Appraisal Management Enacted; Governor's 2019 - 2020 Companies, Appraisals Action: Signed Sen. Erin Herbig History (D-ME)

Maine Arbitration: Loans An Act To Preserve the Value of Abandoned Properties by Allowing Entry by Mortgagees 03/18/2020 - LD 1963 Lending: General Enacted; Governor's 2019 - 2020 Action: Signed Mortgage Lending: Rep. John Martin History Foreclosure Prevention, (D-ME) Foreclosure Proceedings/Admin, Foreclosure Tenant Protection, General, Mortgage Loan Administration, Vacant Property Upkeep

Michigan Mortgage Lending: Property tax; delinquent taxes; provisions for reducing redemption amounts; modify. Amends secs. 78g & 78q of 1893 03/03/2020 - HB 5124 Foreclosure PA 206 (MCL 211.78g & 211.78q). Approved by the 2019 - 2020 Proceedings/Admin governor Rep. Wendell Byrd Real Estate: Liens 03/02/2020 08:01 (D-MI) am; Filed with secretary of state 03/02/2020 01:12 pm; Assigned pa 33'20 with immediate effect History

FOCUS, A Leonine Business - 04/02/2020 - 74 bills/regs. | CONFIDENTIAL 5 of 14 Bill/Reg. # Categories Summary Status New Jersey Mortgage Lending: Concerns prohibition of residential tenant eviction and eviction due to residential foreclosure during certain 03/19/2020 - AB 3859 Foreclosure Prevention emergency circumstances. Approved P.L.2020, 2020 - 2021 c.1. McKnight, Angela History V.

Related Bills: SB 2276 Puerto Rico Mortgage Lending: To amend Section 10 of Act No. 31 of 2012, as amended, known as the "Act to Facilitate the Restructuring of the 03/07/2020 - Law SB 396 Foreclosure Prevention, Communities of Puerto Rico," with the purpose of expanding the powers of the municipalities; and for other purposes. No. 27-2020 2017 - 2020 Foreclosure History Hon. Carmelo Proceedings/Admin J. Rios Santiago

South Dakota Mortgage Lending: provide authority for real estate brokers to conduct real property evaluations. 03/04/2020 - Signed HB 1126 Appraisals by the Governor 2020 History Rep. Roger Chase (R-SD)

South Dakota Mortgage Lending: revise provisions regarding real estate appraisers. 03/04/2020 - Signed HB 1127 Appraisals by the Governor 2020 History Rep. Roger Chase (R-SD)

South Dakota Mortgage Lending: remove the requirement for a mandatory appraisal in exchanges of land between school districts. 03/20/2020 - Signed HB 1255 Appraisals by the Governor 2020 History Rep. Herman Otten (R-SD)

South Dakota Mortgage Lending: repeal provisions regarding the restricted real estate broker's license for auctioneers and to revise certain provisions 03/03/2020 - Signed SB 28 Appraisals, Licensing regarding real estate licensing. by the Governor on 2020 Brokers March 02, 2020 Commerce and History Energy

South Dakota Mortgage Lending: transfer the functions of the South Dakota Value Added Finance Authority to the South Dakota Economic 03/20/2020 - Signed SB 45 Foreclosure Development Finance Authority and the South Dakota Board of Economic Development and to abolish the South by the Governor 2020 Proceedings/Admin, Dakota Value Added Finance Authority. History State Affairs General, Mortgage Loan Administration

FOCUS, A Leonine Business - 04/02/2020 - 74 bills/regs. | CONFIDENTIAL 6 of 14 Bill/Reg. # Categories Summary Status South Dakota Arbitration: General adopt the Uniform Power of Attorney Act. 03/20/2020 - Signed SB 148 Debt and Collections: by the Governor 2020 Collections/Garnishment History Sen. Jeffrey Lending: Power of Attorney Partridge (R-SD) Mortgage Lending: General, Mortgage Loan Administration

Tennessee Mortgage Lending: Professions and Occupations - As enacted, changes the requirements for persons who have an ownership interest in 03/19/2020 - Signed SB 2144 Appraisal Management an appraisal management company in order for the company to be registered; removes the current exception to an by Governor; 2019 - 2020 Companies, Appraisals appraisal management company otherwise being prohibited from removing an appraiser from its appraiser panel or Effective date(s) Johnson refusing to assign requests for real estate appraisal services to an appraiser without meeting certain requirements. - 07/01/2020; Pub. Amends TCA Title 62, Chapter 39, Part 4. Ch. 579 Related Bills: History HB 2213 United States Banking: General, CARES Act 03/27/2020 - HR 748 Operations Presented to 2019 - 2020 COVID-19: General President; Signed Rep. Joe Courtney by President; Debt and Collections: (D-CT) Became Public Law Bankruptcy No: 116-136. Related Bills: Employer Practices: 03/31/2020 - S 460 S 684 HR General POSITION 1922 S 949 HR Lending: General STATEMENTS FOR 2452 S 1399 HR Mortgage Lending: THE RECORD - The 3443 HR 1869 S Community Development Chair announced 803 S 2740 S Institutions, Foreclosure that all Members 2913 HR 5202 S Prevention, Foreclosure may have five 2997 HR 1865 S Proceedings/Admin, legislative days in 3374 S 3438 S Foreclosure Tenant which to include 3468 S 3497 S Protection, General, their stated position 3548 HR 6304 S Mortgage Restrictions on the voice vote on 3496 HRES 911 the motion to concur Personal Loans: in the Senate Subsidized Lending amendment to H.R. Tax - Financial Issues: 748, and those Corporate Taxes, Financial statements will InstitutionsTaxation appear in the appropriate point in the Record. Agreed to without objection. History Mortgage Lending: This bill supplements or reduces appropriations otherwise provided for the support and operation of state 03/30/2020 - HB 8 Appraisal Management government for the fiscal year beginning July 1, 2020 and ending June 30, 2021. Governor Signed 2020 Companies, Appraisals, History Rep. Jefferson Community Development Moss (R-UT) Institutions, General, Licensing Brokers, Licensing Loan Originators/Servicers, Mortgage Loan Administration Notary: E-Notary FOCUS, A Leonine Business - 04/02/2020 - 74 bills/regs. | CONFIDENTIAL 7 of 14 Bill/Reg. # Categories Summary Status Utah Banking: General This bill repeals, places sunset provisions on, and amends and enacts provisions related to certain boards and 03/28/2020 - HB 10 Mortgage Lending: commissions. Governor Signed 2020 General History Rep. Marc Roberts Real Estate: General (R-UT) Securities & Investments: General

Utah Ancillary Products: This bill amends and enacts provisions under the Insurance Code and related to certain health benefit plans and the 03/24/2020 - HB 37 General Health Reform Task Force. Governor Signed 2020 Credit and Debit Cards: History Rep. James General Dunnigan (R-UT) Insurance Products: Insurance Regulation, Life and Accident Insurance, Property Insurance, Title Insurance Mortgage Lending: Escrow, Mortgage Insurance Prepaid Cards: Fees, Health Insurance Cards Securities & Investments: Annuities Vehicle Finance: Vehicle Protection Products

Utah Banking: Banking Fees, This bill enacts provisions in the Utah Consumer Sales Practices Act and the Financial Transaction Card Protection 03/28/2020 - HB 113 Operations Act. Governor Signed 2020 Credit and Debit Cards: History Rep. Andrew Interchange Stoddard (D-UT) Fees/Surcharging, Student Marketing Marketing & Calling Restrictions: Do-Not-Mail Mortgage Lending: General

Utah Mortgage Lending: This bill amends provisions of Title 61, Securities Division - Real Estate Division. 03/24/2020 - HB 147 Appraisal Management Governor Signed 2020 Companies, Appraisals, History Rep. Calvin Closings, General, Licensing Musselman (R-UT) Loan Originators/Servicers, Mortgage Loan Administration, Mortgage Restrictions, RESPA Notary Privacy and Fraud: Mortgage Fraud Securities & Investments: Trusts/Funds/Bonds/Options

FOCUS, A Leonine Business - 04/02/2020 - 74 bills/regs. | CONFIDENTIAL 8 of 14 Bill/Reg. # Categories Summary Status Utah Mortgage Lending: This bill amends provisions related to homeowner associations and their governing documents. 03/24/2020 - HB 155 General Governor Signed 2020 History Rep. Cheryl Acton (R-UT)

Utah Mortgage Lending: This bill amends provisions related to unlawful detainer of property. 03/30/2020 - HB 462 Foreclosure Tenant Governor Signed 2020 Protection History Rep. James Dunnigan (R-UT)

Utah Mortgage Lending: This bill supplements or reduces appropriations otherwise provided for the support and operation of state 03/30/2020 - SB 8 General government for the fiscal year beginning July 1, 2020 and ending June 30, 2021. Governor Signed 2020 History Sen. (R-UT)

Utah Mortgage Lending: This bill amends provisions regarding requirements on the Utah State Board of Education and programs that the Utah 03/30/2020 - SB 21 Foreclosure State Board of Education administers. Governor Signed 2020 Proceedings/Admin History Sen. Kathleen Real Estate: Adverse Riebe (D-UT) Possession

Utah Debt and Collections: This bill modifies provisions related to the Division of Occupational and Professional Licensing (the division). 03/30/2020 - SB 23 Collections/Garnishment Governor Signed 2020 Employer Practices: History Sen. Curtis Veteran Employment, Bramble (R-UT) Workers' Compensation Litigation: Procedures Mortgage Lending: Appraisals Privacy and Fraud: General, Identity Theft, Information Privacy, Security Breach, SSN Real Estate: Liens Vehicle Finance: ALPR

Utah Mortgage Lending: This bill enacts definitions in the Commercial Property Assessed Clean Energy Act. 03/28/2020 - SB 50 Energy Improvement, Lien Governor Signed 2020 Priority History Sen. Jacob Real Estate: Liens Anderegg (R-UT)

FOCUS, A Leonine Business - 04/02/2020 - 74 bills/regs. | CONFIDENTIAL 9 of 14 Bill/Reg. # Categories Summary Status Utah Mortgage Lending: This bill amends provisions relating to the Senate's advice and consent for gubernatorial nominees. 03/30/2020 - SB 60 Appraisals Governor Signed 2020 History Sen. Karen Mayne (D-UT)

Utah Banking: Alternate ID This bill modifies parts of the Utah Code to make technical corrections. 03/30/2020 - SB 72 Credit and Debit Cards: Governor Signed 2020 Governmental Payments History Sen. Lending: General (R-UT) Mortgage Lending: Energy Improvement, Mortgage Loan Administration Prepaid Cards: Public & Govt Entitlement/Disbursment, Retail & Gift Virtual Currency

Utah Mortgage Lending: This bill creates conflicts of interest and vacancy procedures for certain types of boards, commissions, and 03/30/2020 - SB 146 Appraisals committees. Governor Signed 2020 History Sen. (R-UT)

Utah Mortgage Lending: This bill modifies provisions related to foreclosure of residential property. 03/28/2020 - SB 180 Foreclosure Governor Signed 2020 Proceedings/Admin, History Sen. Wayne Foreclosure Tenant Harper (R-UT) Protection

Utah Mortgage Lending: This bill amends provisions of the Condominium Ownership Act and the Community Association Act. 03/30/2020 - SB 183 Foreclosure Governor Signed 2020 Proceedings/Admin, History Sen. Curtis General, Lien Priority Bramble (R-UT)

Virginia Mortgage Lending: Landlord and tenant; victims of family abuse; evidence to mitigate low credit score; damages. Allows an applicant for 03/23/2020 - HB 99 General a lease to recover actual damages, including all amounts paid to the landlord as an application fee, application Approved by 2020 - 2021 deposit, or reimbursement for any of the landlord's out-of-pocket expenses that were charged to the applicant, along Governor-Chapter Del. Sam Rasoul with attorney fees, if the landlord does not consider evidence of the applicant's status as a victim of family abuse to 388-(effective (D-VA) mitigate any adverse effect of the otherwise qualified applicant's low credit score. 7/1/20) History Virginia Mortgage Lending: Circuit court clerk's fee; lodging of wills. Increases from $2 to $5 the fee that the circuit court clerk is required to 03/02/2020 - HB 305 General charge for lodging, indexing, and preserving a will. This bill is identical to SB 940. Approved by 2020 - 2021 Governor-Chapter Del. Patrick Hope 68; (effective (D-VA) 7/1/20) History FOCUS, A Leonine Business - 04/02/2020 - 74 bills/regs. | CONFIDENTIAL 10 of 14 Bill/Reg. # Categories Summary Status Virginia Mortgage Lending: Fees collected by circuit court clerks for recording and indexing; use of fee in preserving permanent records of the 03/02/2020 - HB 306 General circuit courts. Increases by $2 the fees for the recording and indexing of certain documents. The bill further increases Approved by 2020 - 2021 from $1.50 to $3.50 the portion of the recording and indexing fee collected by circuit court clerks that is designated Governor-Chapter Del. Patrick Hope for use in preserving the permanent records of the circuit courts. This bill is identical to SB 938. 69; (effective (D-VA) 7/1/20) History Virginia Mortgage Lending: Stormwater management facilities; private residential lots; disclosure. Directs the State Water Control Board to adopt 03/12/2020 - HB 859 General regulations requiring the owner of residential property on which is located a privately owned stormwater management Approved by 2020 - 2021 Real Estate: Disclosures facility serving one or more residential properties to record the long-term maintenance and inspection requirements Governor-Chapter Del. Kelly Convirs- for such stormwater management facility with the deed for the owner's property. The bill requires an owner of 313- (effective Fowler (D-VA) residential real property who has actual knowledge of a privately owned stormwater management facility located on 7/1/20) the property to disclose to a purchaser of the property the long-term maintenance and inspection requirements of the History facility. Virginia Mortgage Lending: Affordable housing dwelling unit ordinances. Allows certain localities to adopt affordable housing dwelling unit 03/04/2020 - HB 1101 Closings, Mortgage Loan ordinances. The governing body of any locality, other than localities to which certain current affordable housing Approved by 2020 - 2021 Administration provisions apply, may by amendment to the zoning ordinances of such locality provide for an affordable housing Governor-Chapter Del. Betsy Carr (D- dwelling unit program. Such program shall address housing needs, promote a full range of housing choices, and 143 VA) encourage the construction and continued existence of housing affordable to low-and-moderate-income citizens by History providing for increases in density to the applicant in exchange for the applicant's voluntarily electing to provide such affordable housing. Any local ordinance may authorize the governing body to (i) establish qualifying jurisdiction-wide affordable dwelling unit sales prices based on local market conditions, (ii) establish jurisdiction-wide affordable dwelling unit qualifying income guidelines, and (iii) offer incentives other than density increases, such as reductions or waiver of permit, development, and infrastructure fees, as the governing body deems appropriate to encourage the provision of affordable housing. The bill provides that any zoning ordinance establishing an affordable housing dwelling unit program may include reasonable regulations and provisions as to any or all of the following: (a) for application of the requirements of an affordable housing dwelling unit program to any site, as defined by the locality, or a portion thereof at one location that is the subject of an application for rezoning or special exception or site plan or subdivision plat that yields, as submitted by the applicant, at an equivalent density greater than one unit per acre and that is located within an approved sewer area; (b) the waiver of any fees associated with the construction, renovation, or rehabilitation of a structure, including building permit fees, application review fees, and water and sewer connection fees; (c) for standards of compliance with the provisions of an affordable housing dwelling unit program and for the authority of the local governing body or its designee to enforce compliance with such standards and impose reasonable penalties for noncompliance, provided that such local zoning ordinance provide for an appeal process for any party aggrieved by a decision of the local governing body; and (d) various other provisions set out in the bill. Any zoning ordinance establishing such affordable housing dwelling unit program shall adopt the regulations and provisions set out in the bill to establish an affordable housing density bonus and development standards relief program. Virginia Mortgage Lending: Partition of property. Incorporates major provisions of the Uniform Partition of Heirs Property Act. The bill provides 03/03/2020 - HB 1605 Appraisals that in partition actions the court shall order an appraisal to determine fair market value of the property, unless the Approved by 2020 - 2021 parties have agreed to the value of the property or to another valuation method. The bill also provides factors to be Governor-Chapter Del. Patrick Hope considered by the court when making an allotment of the property when there is a dispute among the parties. The bill 115 (D-VA) further provides that if the court orders a sale of property in a partition action, the sale shall be conducted on the History open market, unless the court finds that a sale by sealed bids or at auction would be more economically advantageous to the parties as a group. The bill outlines the procedure for such open-market sale. This bill is identical to SB 553. Virginia Mortgage Lending: Recordation tax; deeds of trust or mortgages. Provides that for a deed of trust or mortgage (i) that conveys property 03/12/2020 - HB 1615 General that is either (a) partly within and partly outside the Commonwealth or (b) is within the Commonwealth and secures Approved by 2020 - 2021 Tax - Financial Issues: debts secured by deeds of trust on property outside the Commonwealth and (ii) secures the entire amount of that Governor-Chapter Del. Richard Deeds/Mortgage Tax debt, recordation tax shall only be imposed on the proportion of debt that the Virginia property bears to the actual 334- (effective Sullivan (D-VA) value of the entire amount of property conveyed. 7/1/20) History

FOCUS, A Leonine Business - 04/02/2020 - 74 bills/regs. | CONFIDENTIAL 11 of 14 Bill/Reg. # Categories Summary Status Virginia Mortgage Lending: Lien Sale of certain property by locality to adjoining landowners. Provides that, in any instance in which a parcel of real 03/12/2020 - HB 1655 Priority estate is (i) located within an undeveloped common area in a subdivision, (ii) located in a subdivision with a Approved by 2020 - 2021 homeowners' association that has been previously dissolved, and (iii) tax delinquent, a locality may, after giving at Governor-Chapter Del. Robert Orrock least 30 days of notice to adjacent property owners, choose to offer for sale such tax delinquent property in whole or 346- (effective (R-VA) in part to adjacent property owners prior to any public auction of the tax delinquent property. The locality may waive 7/1/20) any liens associated with the property in order to facilitate the sale and may further waive payment of any past taxes, History penalties, and interest with regard to any new owner. Virginia Mortgage Lending: Partition of property. Incorporates major provisions of the Uniform Partition of Heirs Property Act. The bill provides 03/06/2020 - SB 553 Appraisals that in partition actions the court shall order an appraisal to determine fair market value of the property, unless the Approved by 2020 - 2021 parties have agreed to the value of the property or to another valuation method. The bill also provides factors to be Governor-Chapter Sen. Frank Ruff considered by the court when making an allotment of the property when there is a dispute among the parties. The bill 193 (effective (R-VA) further provides that if the court orders a sale of property in a partition action, the sale shall be conducted on the 7/1/20) open market, unless the court finds that a sale by sealed bids or at auction would be more economically History advantageous to the parties as a group. The bill outlines the procedure for such open-market sale. This bill is identical to HB 1605. Washington Mortgage Lending: Concerning the reorganization of laws related to environmental health without making any substantive, policy 03/18/2020 - HB 2246 Credit/Mortgage/Trigger changes. Governor signed.; 2019 - 2020 Leads, Foreclosure Chapter 20, 2020 Rep. Joe Proceedings/Admin, Laws.; Effective date Fitzgibbon (D-WA) General, Lien Priority, 6/11/2020*. Mortgage Restrictions History Real Estate: Liens Vehicle Finance: Disclosures, Fees/Charges, Warranties

Washington Mortgage Lending: Concerning commercial property assessed clean energy and resilience. 03/18/2020 - HB 2405 Energy Improvement, Lien Governor signed.; 2019 - 2020 Priority Chapter 27, 2020 Rep. Davina Duerr Real Estate: Liens Laws.; Effective date (D-WA) 6/11/2020. History Washington Electronic Commerce: Adopting the uniform electronic transactions act and aligning statutory provisions relating to signatures, declarations, 03/18/2020 - SB 6028 Money Transmission and documents. Governor signed.; 2019 - 2020 Mortgage Lending: Chapter 57, 2020 Sen. Jamie Mortgage Loan Laws.; Effective date Pedersen (D-WA) Administration 6/11/2020. History Notary Virtual Currency

West Virginia Banking: Operations Relating to the reproduction of checks and other records 03/25/2020 - HB 4406 Mortgage Lending: Approved by 2020 General Governor; Effective Del. Eric Nelson Ninety Days from (R-WV) Passage - (June 5, 2020) History

FOCUS, A Leonine Business - 04/02/2020 - 74 bills/regs. | CONFIDENTIAL 12 of 14 Bill/Reg. # Categories Summary Status West Virginia Mortgage Lending: Relating to the West Virginia Residential Mortgage Lender, Broker and Servicer Act 03/25/2020 - HB 4411 General, Licensing Brokers, Approved by 2020 Licensing Loan Governor; Effective Del. Eric Nelson Originators/Servicers, Ninety Days from (R-WV) Mortgage Loan Passage - (May 27, Administration 2020) Real Estate: Liens History

West Virginia Mortgage Lending: Relating to the collection of assessments and the priority of liens on property within a resort area 03/24/2020 - HB 4529 General Approved by 2020 Real Estate: Liens Governor - Effective Del. Vernon Criss Ninety Days from (R-WV) Passage - (June 1, 2020) History West Virginia Mortgage Lending: Establishing a procedure for correcting errors in deeds, deeds of trust and mortgages 03/25/2020 - HB 4576 Closings, General, Mortgage Approved by 2020 Loan Administration Governor; Effective Del. John Shott (R- Real Estate: Ninety Days from WV) Transfers/Conveyances Passage - (June 5, 2020) History West Virginia Employer Practices: Budget Bill 03/12/2020 - SB 150 Workers' Compensation Approved by 2020 Mortgage Lending: Governor Sen. Mitch Community Development History Carmichael (R- Institutions, Vacant Property WV) Upkeep

West Virginia Mortgage Lending: Lien Relating to collection of tax and priority of distribution of estate or property in receivership 03/02/2020 - SB 321 Priority Approved by 2020 Governor, Effective Sen. Charles Ninety Days from Trump (R-WV) Passage - (May 12, 2020) History West Virginia Mortgage Lending: Vacant Making permanent land reuse agency or municipal land bank's right of first refusal on certain tax sale properties 03/25/2020 - SB 510 Property Upkeep Approved by 2020 Governor Sen. Corey History Palumbo (D-WV)

West Virginia Mortgage Lending: Correcting incorrect code citation in WV Consumer Credit and Protection Act 03/05/2020 - SB 642 General, Licensing Brokers, Approved by 2020 Mortgage Loan Governor-Effective Sen. Mike Azinger Administration Ninety Days from (R-WV) Passage - (May 17, 2020) History

FOCUS, A Leonine Business - 04/02/2020 - 74 bills/regs. | CONFIDENTIAL 13 of 14 Bill/Reg. # Categories Summary Status West Virginia Mortgage Lending: Relating to definition of "mortgage loan originator" 03/25/2020 - SB 651 Licensing Loan Approved by 2020 Originators/Servicers Governor; Effective Sen. Mike Azinger Ninety Days from (R-WV) Passage - (June 2, 2020) History Wisconsin Electronic Commerce: E- Relating to online notaries public and electronic notarizations, granting rule-making authority, and providing a 03/04/2020 - Asm. - AB 293 Sign/Disclosure, penalty. (FE) Report approved by 2019 - 2020 Recordkeeping the Governor on 3- Ballweg Mortgage Lending: 3-2020. 2019 Mortgage Loan Wisconsin Act 125; Related Bills: Administration Asm. - Published 3- SB 317 4-2020 Notary: E-Notary History Wisconsin Mortgage Lending: An Act to renumber 70.32 (1); and to create 70.32 (1) (b) of the statutes; Relating to: prohibiting an assessor from 02/28/2020 - Report AB 691 Appraisals changing the valuation of property based solely on a recent sale of the property. (FE) approved by the 2019 - 2020 Governor. 2019 Rep. Robert Wisconsin Act 114; Brooks (R-WI) Asm. - Published 2- 29-2020 Related Bills: History SB 624 Wyoming Mortgage Lending: Appraisal management companies-amendments. 03/12/2020 - SF 62 Appraisal Management Governor Signed 2020 Companies, Appraisals SEA No. 0028; Pappas Assigned Chapter Number 73 History

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