HB 11032025–2026
bill
2025–2026 Regular Session · House of Representatives bill
HB 1103
An Act amending Title 7 (Banks and Banking) of the Pennsylvania Consolidated Statutes, in mortgage loan industry licensing and consumer protection, further providing for definitions and for powers conferred on certain licensees engaged in the mortgage loan business; and making repeals.
Enacted Last action June 30, 2025: Act No. 16 of 2025
Official bill page and text: palegis.us
Sponsors 22
- Prime sponsor
- Morgan Cephas
- Cosponsors (21)
- Ben Waxman, Benjamin Sanchez, Carol Hill-Evans, Darisha K. Parker, Dave Madsen, Ed Neilson, Jacklyn Rusnock, Joe Ciresi, Joe Mcandrew, Joe Webster, Johanny Cepeda-Freytiz, Jose Giral, Keith Harris, La'Tasha Mayes, Lindsay Powell, Liz Hanbidge, Malcolm Kenyatta, Manuel Guzman, Melissa Cerrato, Perry Warren, Tim Twardzik
Status
Enacted as of June 30, 2025. Session ends November 30, 2026; the 2027–2028 session begins in January 2027.
Roll-call votes 7
June 26, 2025State SenateFINAL PASSAGEPassed50–0
yes (50) Amanda Cappelletti, Anthony Williams, Art Haywood, Camera Bartolotta, Carolyn Comitta, Chris Gebhard, Christine Tartaglione, Cris Dush, Daniel Laughlin, David Argall, Dawn Keefer, Devlin Robinson, Doug Mastriano, Elder Vogel, Frank Farry, Gene Yaw, Greg Rothman, James Malone, Jarrett Coleman, Jay Costa, Joe Picozzi, Joe Pittman, John Kane, Judith Schwank, Judy Ward, Katie Muth, Kim Ward, Kristin Phillips-Hill, Lindsey Williams, Lisa Baker, Lisa Boscola, Lynda Schlegel Culver, Maria Collett, Marty Flynn, Michele Brooks, Nick Miller, Nick Pisciottano, Nikil Saval, Patrick Stefano, Patty Kim, Rosemary Brown, Scott Hutchinson, Scott Martin, Sharif Street, Steven Santarsiero, Timothy Kearney, Tracy Pennycuick, Vincent Hughes, Wayne Fontana, Wayne Langerholc
June 25, 2025State SenateCommittee vote (Appropriations): Re-Reported as CommittedPassed22–0
yes (22) Amanda Cappelletti, Art Haywood, Cris Dush, Daniel Laughlin, Devlin Robinson, Elder Vogel, Jarrett Coleman, Jay Costa, Joe Picozzi, Joe Pittman, Judith Schwank, Kim Ward, Kristin Phillips-Hill, Lynda Schlegel Culver, Patty Kim, Rosemary Brown, Scott Martin, Sharif Street, Timothy Kearney, Tracy Pennycuick, Vincent Hughes, Wayne Langerholc
June 24, 2025State SenateCommittee vote (Banking & Insurance): Reported as CommittedPassed14–0
yes (14) Anthony Williams, Chris Gebhard, Devlin Robinson, Elder Vogel, Gene Yaw, Greg Rothman, Kim Ward, Kristin Phillips-Hill, Lisa Baker, Lisa Boscola, Marty Flynn, Patty Kim, Scott Martin, Sharif Street
May 12, 2025House of RepresentativesFINAL PASSAGEPassed203–0
yes (203) Aaron Bernstine, Abby Major, Abigail Salisbury, Aerion Abney, Alec Ryncavage, Amen Brown, Andre Carroll, Andrew Kuzma, Anita Kulik, Ann Flood, Anthony Bellmon, Arvind Venkat, Barbara Gleim, Ben Waxman, Benjamin Sanchez, Brad Roae, Brandon Markosek, Brenda Pugh, Brett Miller, Brian Munroe, Brian Rasel, Brian Smith, Bridget Kosierowski, Bryan Cutler, Bud Cook, Carl Metzgar, Carol Hill-Evans, Carol Kazeem, Chad Reichard, Charity Krupa, Chris Pielli, Christina Sappey, Christopher Rabb, Clint Owlett, Craig Staats, Craig Williams, Dallas Kephart, Dan Frankel, Dan Goughnour, Dan Miller, Dan Moul, Dan Williams, Dane Watro, Daniel Deasy, Danielle Friel Otten, Danilo Burgos, Darisha K. Parker, Dave Madsen, David Delloso, David Maloney, David Rowe, David Zimmerman, Donna Scheuren, Doyle Heffley, Ed Neilson, Eddie Pashinski, Elizabeth Fiedler, Emily Kinkead, Eric Davanzo, Eric Nelson, Eric Weaknecht, Frank Burns, G. Roni Green, Gary Day, Gina Curry, Greg Scott, Greg Vitali, Heather Boyd, Ismail Smith-Wade-El, Jack Rader, Jacklyn Rusnock, Jacob Banta, James Struzzi, Jamie Barton, Jamie Flick, Jamie Walsh, Jared Solomon, Jason Dawkins, Jason Ortitay, Jeanne Mcneill, Jeff Olsommer, Jennifer O'Mara, Jeremy Shaffer, Jesse Topper, Jessica Benham, Jill Cooper, Jim Haddock, Jim Prokopiak, Jim Rigby, Joanna Mcclinton, Joanne Stehr, Joe Ciresi, Joe Emrick, Joe Hamm, Joe Hogan, Joe Kerwin, Joe Mcandrew, Joe Webster, Johanny Cepeda-Freytiz, John Inglis Iii, John Lawrence, John Schlegel, Jonathan Fritz, Jordan Harris, Jose Giral, Joseph D'Orsie, Joseph Hohenstein, Josh Bashline, Joshua Kail, Joshua Siegel, Justin Fleming, Kate Klunk, Kathleen Tomlinson, Kathy Rapp, Keith Greiner, Keith Harris, Kerry Benninghoff, Kristin Marcell, Kristine Howard, Kyle Donahue, Kyle Mullins, La'Tasha Mayes, Leanne Krueger, Leslie Rossi, Lindsay Powell, Lisa Borowski, Liz Hanbidge, Louis Schmitt, Malcolm Kenyatta, Mandy Steele, Manuel Guzman, Marc Anderson, Marci Mustello, Mark Gillen, Marla Brown, Martin Causer, Martina White, Mary Jo Daley, Marylouise Isaacson, Matthew Bradford, Maureen Madden, Melissa Cerrato, Melissa Shusterman, Michael Schlossberg, Michael Stender, Mike Armanini, Mike Jones, Milou Mackenzie, Mindy Fee, Morgan Cephas, Nancy Guenst, Napoleon J. Nelson, Natalie Mihalek, Nathan Davidson, Nikki Rivera, Parke Wentling, Pat Gallagher, Patrick Harkins, Paul Friel, Paul Takac, Perry A. Stambaugh, Perry Warren, Peter Schweyer, R. Lee James, Regina G. Young, Rich Irvin, Rick Krajewski, Rob Kauffman, Robert Freeman, Robert Leadbeter, Robert Matzie, Robert Merski, Roman Kozak, Russ Diamond, Ryan Bizzarro, Ryan Warner, Scott Barger, Scott Conklin, Sean Dougherty, Seth Grove, Shelby Labs, Sheryl Delozier, Stephanie Borowicz, Stephenie Scialabba, Steve Samuelson, Steven Malagari, Steven Mentzer, Tarah Probst, Tarik Khan, Thomas Kutz, Thomas Mehaffie, Tim Brennan, Tim Briggs, Tim Twardzik, Timothy Bonner, Timothy J. O'Neal, Tina Davis, Tina Pickett, Tom Jones, Torren Ecker, Valerie Gaydos, Wendy Fink, Zachary Mako
May 12, 2025House of RepresentativesCommittee vote (Appropriations): Re-report Bill As CommittedPassed37–0
yes (37) Abigail Salisbury, Aerion Abney, Ann Flood, Anthony Bellmon, Ben Waxman, Benjamin Sanchez, Bridget Kosierowski, Charity Krupa, Dave Madsen, Emily Kinkead, Eric Davanzo, Eric Nelson, Gina Curry, James Struzzi, Jamie Barton, Jeff Olsommer, Joe Webster, Jordan Harris, Joshua Kail, Joshua Siegel, Justin Fleming, Kristin Marcell, Kyle Mullins, La'Tasha Mayes, Manuel Guzman, Marci Mustello, Marla Brown, Pat Gallagher, Paul Friel, Regina G. Young, Ryan Warner, Steven Malagari, Tarik Khan, Thomas Kutz, Tim Brennan, Torren Ecker, Zachary Mako
May 7, 2025House of RepresentativesA482Passed203–0
yes (203) Aaron Bernstine, Abby Major, Abigail Salisbury, Aerion Abney, Alec Ryncavage, Amen Brown, Andre Carroll, Andrew Kuzma, Anita Kulik, Ann Flood, Anthony Bellmon, Arvind Venkat, Barbara Gleim, Ben Waxman, Benjamin Sanchez, Brad Roae, Brandon Markosek, Brenda Pugh, Brett Miller, Brian Munroe, Brian Rasel, Brian Smith, Bridget Kosierowski, Bryan Cutler, Bud Cook, Carl Metzgar, Carol Hill-Evans, Carol Kazeem, Chad Reichard, Charity Krupa, Chris Pielli, Christina Sappey, Christopher Rabb, Clint Owlett, Craig Staats, Craig Williams, Dallas Kephart, Dan Frankel, Dan Goughnour, Dan Miller, Dan Moul, Dan Williams, Dane Watro, Daniel Deasy, Danielle Friel Otten, Danilo Burgos, Darisha K. Parker, Dave Madsen, David Delloso, David Maloney, David Rowe, David Zimmerman, Donna Scheuren, Doyle Heffley, Ed Neilson, Eddie Pashinski, Elizabeth Fiedler, Emily Kinkead, Eric Davanzo, Eric Nelson, Eric Weaknecht, Frank Burns, G. Roni Green, Gary Day, Gina Curry, Greg Scott, Greg Vitali, Heather Boyd, Ismail Smith-Wade-El, Jack Rader, Jacklyn Rusnock, Jacob Banta, James Struzzi, Jamie Barton, Jamie Flick, Jamie Walsh, Jared Solomon, Jason Dawkins, Jason Ortitay, Jeanne Mcneill, Jeff Olsommer, Jennifer O'Mara, Jeremy Shaffer, Jesse Topper, Jessica Benham, Jill Cooper, Jim Haddock, Jim Prokopiak, Jim Rigby, Joanna Mcclinton, Joanne Stehr, Joe Ciresi, Joe Emrick, Joe Hamm, Joe Hogan, Joe Kerwin, Joe Mcandrew, Joe Webster, Johanny Cepeda-Freytiz, John Inglis Iii, John Lawrence, John Schlegel, Jonathan Fritz, Jordan Harris, Jose Giral, Joseph D'Orsie, Joseph Hohenstein, Josh Bashline, Joshua Kail, Joshua Siegel, Justin Fleming, Kate Klunk, Kathleen Tomlinson, Kathy Rapp, Keith Greiner, Keith Harris, Kerry Benninghoff, Kristin Marcell, Kristine Howard, Kyle Donahue, Kyle Mullins, La'Tasha Mayes, Leanne Krueger, Leslie Rossi, Lindsay Powell, Lisa Borowski, Liz Hanbidge, Louis Schmitt, Malcolm Kenyatta, Mandy Steele, Manuel Guzman, Marc Anderson, Marci Mustello, Mark Gillen, Marla Brown, Martin Causer, Martina White, Mary Jo Daley, Marylouise Isaacson, Matthew Bradford, Maureen Madden, Melissa Cerrato, Melissa Shusterman, Michael Schlossberg, Michael Stender, Mike Armanini, Mike Jones, Milou Mackenzie, Mindy Fee, Morgan Cephas, Nancy Guenst, Napoleon J. Nelson, Natalie Mihalek, Nathan Davidson, Nikki Rivera, Parke Wentling, Pat Gallagher, Patrick Harkins, Paul Friel, Paul Takac, Perry A. Stambaugh, Perry Warren, Peter Schweyer, R. Lee James, Regina G. Young, Rich Irvin, Rick Krajewski, Rob Kauffman, Robert Freeman, Robert Leadbeter, Robert Matzie, Robert Merski, Roman Kozak, Russ Diamond, Ryan Bizzarro, Ryan Warner, Scott Barger, Scott Conklin, Sean Dougherty, Seth Grove, Shelby Labs, Sheryl Delozier, Stephanie Borowicz, Stephenie Scialabba, Steve Samuelson, Steven Malagari, Steven Mentzer, Tarah Probst, Tarik Khan, Thomas Kutz, Thomas Mehaffie, Tim Brennan, Tim Briggs, Tim Twardzik, Timothy Bonner, Timothy J. O'Neal, Tina Davis, Tina Pickett, Tom Jones, Torren Ecker, Valerie Gaydos, Wendy Fink, Zachary Mako
April 8, 2025House of RepresentativesCommittee vote (Commerce): Report Bill As CommittedPassed26–0
yes (26) Amen Brown, Andre Carroll, Anthony Bellmon, Barbara Gleim, Benjamin Sanchez, Brian Munroe, Chris Pielli, Christopher Rabb, Darisha K. Parker, Donna Scheuren, Jeff Olsommer, Jeremy Shaffer, Johanny Cepeda-Freytiz, John Lawrence, Joseph D'Orsie, Keith Harris, Kristin Marcell, Malcolm Kenyatta, Marla Brown, Morgan Cephas, Napoleon J. Nelson, Scott Barger, Scott Conklin, Shelby Labs, Tim Twardzik, Valerie Gaydos
Timeline 21
| Date | Chamber | Action |
|---|---|---|
| June 30, 2025 | Senate | Act No. 16 of 2025 |
| June 30, 2025 | Senate | Approved by the Governor |
| June 30, 2025 | Senate | Presented to the Governor |
| June 30, 2025 | Senate | Signed in Senate |
| June 30, 2025 | Senate | Signed in House |
| June 26, 2025 | Senate | Third consideration and final passage |
| June 25, 2025 | Senate | Re-reported as committed |
| June 25, 2025 | Senate | Re-referred to Appropriations |
| June 25, 2025 | Senate | Second consideration |
| June 24, 2025 | Senate | First consideration |
| June 24, 2025 | Senate | Reported as committed |
| May 22, 2025 | Senate | Referred to Banking & Insurance |
| May 12, 2025 | House | Third consideration and final passage |
| May 12, 2025 | House | Re-reported as committed |
| May 7, 2025 | House | Re-committed to Appropriations |
| May 7, 2025 | House | Second consideration, with amendments |
| May 6, 2025 | House | Removed from table |
| April 8, 2025 | House | Laid on the table |
| April 8, 2025 | House | First consideration |
| April 8, 2025 | House | Reported as committed |
| April 2, 2025 | House | Referred to Commerce |
Data: Open States (API v3; public data, attribution appreciated), updated November 5, 2026. Official record: palegis.us. Bill pages link to the official text, not copied.