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.
Congress · introduced 2025-04-02
Latest action: — Act No. 16 of 2025, June 30, 2025
Sponsors
- Morgan Cephas (D, PA-192) — sponsor · 2025-04-02
- Tim Twardzik (R, PA-123) — cosponsor · 2025-04-02
- Carol Hill-Evans (D, PA-95) — cosponsor · 2025-04-02
- Lindsay Powell (D, PA-21) — cosponsor · 2025-04-02
- Manuel Guzman (D, PA-127) — cosponsor · 2025-04-02
- Ben Waxman (D, PA-182) — cosponsor · 2025-04-02
- Benjamin V. Sanchez (D, PA-153) — cosponsor · 2025-04-02
- Ed Neilson (D, PA-174) — cosponsor · 2025-04-02
- Joe McAndrew (D, PA-32) — cosponsor · 2025-04-02
- Jose Giral (D, PA-180) — cosponsor · 2025-04-02
- Johanny Cepeda-Freytiz (D, PA-129) — cosponsor · 2025-04-02
- Liz Hanbidge (D, PA-61) — cosponsor · 2025-04-02
- La'Tasha D. Mayes (D, PA-24) — cosponsor · 2025-04-02
- Melissa Cerrato (D, PA-151) — cosponsor · 2025-04-02
- Perry S. Warren (D, PA-31) — cosponsor · 2025-04-02
- Darisha K. Parker (D, PA-198) — cosponsor · 2025-04-02
- Joe Ciresi (D, PA-146) — cosponsor · 2025-04-02
- Keith S. Harris (D, PA-195) — cosponsor · 2025-04-02
- Jacklyn Rusnock (D, PA-126) — cosponsor · 2025-04-02
- Malcolm Kenyatta (D, PA-181) — cosponsor · 2025-04-02
- Dave Madsen (D, PA-104) — cosponsor · 2025-04-02
- Joe Webster (D, PA-150) — cosponsor · 2025-04-02
Action timeline
- · house — Referred to COMMERCE, April 2, 2025
- · house — Reported as committed, April 8, 2025
- · house — First consideration, April 8, 2025
- · house — Laid on the table, April 8, 2025
- · house — Removed from table, May 6, 2025
- · house — Second consideration, with amendments, May 7, 2025
- · house — Re-committed to APPROPRIATIONS, May 7, 2025
- · house — Re-reported as committed, May 12, 2025
- · house — Third consideration and final passage, May 12, 2025 (203-0)
- · senate — In the Senate
- · senate — Referred to BANKING AND INSURANCE, May 22, 2025
- · senate — Reported as committed, June 24, 2025
- · senate — First consideration, June 24, 2025
- · senate — Second consideration, June 25, 2025
- · senate — Re-referred to APPROPRIATIONS, June 25, 2025
- · senate — Re-reported as committed, June 25, 2025
- · senate — Third consideration and final passage, June 26, 2025 (50-0)
- · house — Signed in House, June 30, 2025
- · senate — Signed in Senate, June 30, 2025
- — Presented to the Governor, June 30, 2025
- — Approved by the Governor, June 30, 2025
- — Act No. 16 of 2025, June 30, 2025
- · house — (Remarks see House Journal Page 554-555), May 7, 2025
- · house — (Remarks see House Journal Page 601-602), May 12, 2025
Text versions
No text versions on file yet — same ingest as the action timeline populates these. Each version has direct links to the XML / HTML / PDF at govinfo.gov.
Bill text
Printer's No. 1224 · 2,914 characters · source document
Read the full text
PRINTER'S NO. 1224
THE GENERAL ASSEMBLY OF PENNSYLVANIA
HOUSE BILL
No. 1103
Session of
2025
INTRODUCED BY CEPHAS, TWARDZIK, HILL-EVANS, POWELL, GUZMAN,
WAXMAN, SANCHEZ, NEILSON, McANDREW, GIRAL, CEPEDA-FREYTIZ,
HANBIDGE, MAYES AND CERRATO, APRIL 2, 2025
REFERRED TO COMMITTEE ON COMMERCE, APRIL 2, 2025
AN ACT
1 Amending Title 7 (Banks and Banking) of the Pennsylvania
2 Consolidated Statutes, in mortgage loan industry licensing
3 and consumer protection, further providing for definitions
4 and for powers conferred on certain licensees engaged in the
5 mortgage loan business; and making repeals.
6 The General Assembly of the Commonwealth of Pennsylvania
7 hereby enacts as follows:
8 Section 1. Section 6102 of Title 7 of the Pennsylvania
9 Consolidated Statutes is amended by adding a definition to read:
10 § 6102. Definitions.
11 The following words and phrases when used in this chapter
12 shall have the meanings given to them in this section unless the
13 context clearly indicates otherwise:
14 * * *
15 "Discount points." Fees knowingly paid by the consumer for
16 the purpose of reducing, and which in fact result in a bona fide
17 reduction of, the interest rate or time-price differential
18 applicable to the mortgage.
19 * * *
1 Section 2. Section 6122(a)(1) of Title 7 is amended to read:
2 § 6122. Powers conferred on certain licensees engaged in the
3 mortgage loan business.
4 (a) Mortgage lenders.--If they are in compliance with the
5 provisions of this chapter, mortgage lenders shall have the
6 power and authority:
7 (1) To make first and secondary mortgage loans and,
8 subject to the limitations of this chapter, to charge and
9 collect interest, points, discount points, origination fees
10 and delinquency charges for the loans.
11 * * *
12 Section 3. Repeals are as follows:
13 (1) The General Assembly declares that the repeals under
14 paragraphs (2) and (3) are necessary to effectuate the
15 addition of the definition of "discount points" in 7 Pa.C.S.
16 § 6102 and the amendment of 7 Pa.C.S. § 6122(a)(1).
17 (2) The definition of "discount points" in section 101
18 of the act of January 30, 1974 (P.L.13, No.6), referred to as
19 the Loan Interest and Protection Law, is repealed.
20 (3) Section 402 of the Loan Interest and Protection Law
21 is repealed.
22 Section 4. This act shall take effect in 60 days.
20250HB1103PN1224 - 2 -Connected on the graph
Outbound (4)
| date | type | to | amount | role | source |
|---|---|---|---|---|---|
| — | referred_to_committee | Pennsylvania Senate Appropriations Committee | — | pa-leg | |
| — | referred_to_committee | Pennsylvania Senate Banking And Insurance Committee | — | pa-leg | |
| — | referred_to_committee | Pennsylvania House Appropriations Committee | — | pa-leg | |
| — | referred_to_committee | Pennsylvania House Commerce Committee | — | pa-leg |
The full graph
Every typed relationship touching this entity — 4 edges across 1 category. Grouped by what the connection is; the heaviest few are shown, with a link to the full list.
Who matters
Members ranked by combined influence on this bill: role (sponsor 5 / cosponsor 1), capped speech count from the Congressional Record, and recorded-vote engagement.
| # | Member | Role | Speeches | Voted | Score |
|---|---|---|---|---|---|
| 1 | Morgan Cephas (D, state_lower PA-192) | sponsor | 0 | — | 5 |
| 2 | Ben Waxman (D, state_lower PA-182) | cosponsor | 0 | — | 1 |
| 3 | Benjamin V. Sanchez (D, state_lower PA-153) | cosponsor | 0 | — | 1 |
| 4 | Carol Hill-Evans (D, state_lower PA-95) | cosponsor | 0 | — | 1 |
| 5 | Darisha K. Parker (D, state_lower PA-198) | cosponsor | 0 | — | 1 |
| 6 | Dave Madsen (D, state_lower PA-104) | cosponsor | 0 | — | 1 |
| 7 | Ed Neilson (D, state_lower PA-174) | cosponsor | 0 | — | 1 |
| 8 | Jacklyn Rusnock (D, state_lower PA-126) | cosponsor | 0 | — | 1 |
| 9 | Joe Ciresi (D, state_lower PA-146) | cosponsor | 0 | — | 1 |
| 10 | Joe McAndrew (D, state_lower PA-32) | cosponsor | 0 | — | 1 |
| 11 | Joe Webster (D, state_lower PA-150) | cosponsor | 0 | — | 1 |
| 12 | Johanny Cepeda-Freytiz (D, state_lower PA-129) | cosponsor | 0 | — | 1 |
| 13 | Jose Giral (D, state_lower PA-180) | cosponsor | 0 | — | 1 |
| 14 | Keith S. Harris (D, state_lower PA-195) | cosponsor | 0 | — | 1 |
| 15 | La'Tasha D. Mayes (D, state_lower PA-24) | cosponsor | 0 | — | 1 |
| 16 | Lindsay Powell (D, state_lower PA-21) | cosponsor | 0 | — | 1 |
| 17 | Liz Hanbidge (D, state_lower PA-61) | cosponsor | 0 | — | 1 |
| 18 | Malcolm Kenyatta (D, state_lower PA-181) | cosponsor | 0 | — | 1 |
| 19 | Manuel Guzman (D, state_lower PA-127) | cosponsor | 0 | — | 1 |
| 20 | Melissa Cerrato (D, state_lower PA-151) | cosponsor | 0 | — | 1 |
| 21 | Perry S. Warren (D, state_lower PA-31) | cosponsor | 0 | — | 1 |
| 22 | Tim Twardzik (R, state_lower PA-123) | cosponsor | 0 | — | 1 |
Predicted vote
Aggregated from: actual roll-call votes (when present) → sponsor → cosponsor → party median (predicts YES when ≥25% of the caucus sponsored/cosponsored). Each row labels its confidence tier so you can see why a position was predicted.
0 predicted yes (0%) · 543 predicted no (100%) · 0 unknown (0%)
By party: · R: 0 yes / 277 no · D: 0 yes / 263 no · I: 0 yes / 3 no
Activity
Every typed-graph event involving this entity, newest first. Each row is one edge in the influence graph; click the date to jump to its provenance.
- 2026-05-20 · was referred to Pennsylvania Senate Appropriations Committee · pa-leg
- 2026-05-20 · was referred to Pennsylvania Senate Banking And Insurance Committee · pa-leg
- 2026-05-20 · was referred to Pennsylvania House Appropriations Committee · pa-leg
- 2026-05-20 · was referred to Pennsylvania House Commerce Committee · pa-leg