Municipal Code Lien Enforcement Act of 2025; requiring notification of mortgage holders prior to filing a petition for foreclosure. Effective date.

SB 1692 requires municipalities to notify mortgage lenders at least 60 days before filing a foreclosure petition on properties with unpaid municipal code liens (such as fines for code violations). This affects homeowners with recorded mortgages who have delinquent municipal liens and the mortgage lenders themselves. The bill adds this notification step to existing foreclosure procedures without changing when foreclosures can occur. It applies specifically to properties with recorded mortgages, separate from tax delinquency notices. The law takes effect July 1, 2027.