Mortgages; Oklahoma Uniform Mortgage Modification Act; definitions; mortgage modification; effective date.
HB 4352, the Oklahoma Uniform Mortgage Modification Act, establishes clear rules for modifying residential mortgages in Oklahoma. It defines key terms like "mortgage modification" and specifies that changes to interest rates, payment schedules, or loan terms (such as extending due dates or switching to fixed rates) must follow this framework. Crucially, the law ensures these modifications do not change a mortgage's priority or require recording in county records, keeping the original mortgage terms intact. The act applies to modifications made on or after its effective date, regardless of when the original mortgage was created, and affects homeowners seeking loan adjustments and lenders processing those changes. It excludes certain changes like adding/removing property or borrowers from this uniform process.
Bill status
passed
3 of 5 stages cleared
Introduction
Feb 2026
Committee Review
Apr 2026
House Passage
Mar 2026
Senate Passage
Governor
Introduced Feb 2, 2026
Last action Apr 16, 2026
Maddy AI version diff · 3 comparisons
What changed between versions
Floor (House)
→
Floor (Senate)
·
1 edit
MINOR
The bill text was reformatted from the House version to the Senate version, updating the header to reflect the Senate Floor and adding the Senate sponsor, Howard. The substantive legal content, including definitions, scope, and exemptions, remains identical to the House version.
TECHNICAL
Updated the document header to indicate this is the 'SENATE FLOOR VERSION' dated April 14, 2026, and added 'Howard of the Senate' as a co-sponsor alongside the original House sponsors.
Floor votes · House Mar 24, 2026
How they voted
85–5
Passed · 10 other
Total votes 100
Mar 24, 2026
D
Democratic18
100% Yea
R
Republican82
81% Yea
Vote distribution
All Yea
All Nay
Mixed
No data
Full legislative history
Actions timeline
Total actions
19
Key actions
5
Committee
6
Apr 14, 2026
Upper · Passed
Reported Do Pass Judiciary committee; CR filed
upper
Mar 25, 2026
Introduced
First Reading
upper
Mar 25, 2026
Lower · Passed
Engrossed, signed, to Senate
lower
Mar 24, 2026
Committee
Referred for engrossment
lower
Mar 24, 2026
Lower · Passed
Third Reading, Measure passed: Ayes: 84 Nays: 5
lower
Mar 3, 2026
Lower · Passed
CR; Do Pass Government Oversight Committee
lower
Feb 18, 2026
Lower · Passed
Policy recommendation to the Government Oversight committee; Do Pass Banking, Financial Services and Pensions
lower
Feb 11, 2026
Committee
Referred to Banking, Financial Services and Pensions
lower
Feb 11, 2026
Committee
Referred to Government Oversight
lower
Feb 2, 2026
Introduced
First Reading
lower
2 primary · 0 co-sponsors
Sponsors
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