Reorganization of consumer lending laws.

The document header changed from 'SENATE ENROLLED ACT No. 169' to 'SENATE BILL No. 169', reflecting a change in the bill's legislative status.

A new digest section was added summarizing the bill's purpose as a reorganization of consumer lending laws and noting an effective date of July 1, 2026.

Committee action history was added, showing the bill was read and referred to the Committee on Insurance and Financial Institutions on January 5, 2026, and amended favorably on January 15, 2026.

The 'PRINTING CODE' explanatory text was removed from the beginning of the document.

The 'SEA 169 - Concur' page markers were removed.

The layout and numbering of the bill text were reorganized to follow standard Senate Bill formatting conventions.

Created a new Homeowner Protection Unit within the Attorney General's office to investigate deceptive acts in mortgage lending and violations of specific consumer lending codes.

Established a dedicated 'Homeowner Protection Unit Account' funded by specific fees, ensuring expenses for the new unit are paid from this account rather than the general fund.

Added requirements for the Attorney General to adopt rules organizing the new unit and to file complaints with relevant entities to carry out the chapter.

Changed the document status from an 'Introduced Senate Bill' to an 'Enrolled Senate Act,' indicating the bill has passed all legislative stages and is ready for the Governor's signature.