Indiana SB 169 — Reorganization of consumer lending laws.
Indiana, 2026. SB 169: Reorganization of consumer lending laws.
Latest action
March 5, 2026 — Public Law 115
Summary
Repeals the statutes governing first lien mortgage lending, small loans, mortgage rescue protection fraud, and home loan practices and the Uniform Consumer Credit Code. Recodifies the repealed statutes in a new title of the Indiana Code concerning consumer lending (Title 37). Conforms the structure and organization of the recodified statutes to the requirements of the general assembly's drafting manual. Makes conforming changes to cross-references.
Sponsors
- Scott Baldwin — primary sponsor
- Lonnie Randolph
- Jake Teshka — primary sponsor
Bill text
Enrolled Senate Bill (S) Read version ↗
Senate Bill (S) Read version ↗
Senate Bill (H) Read version ↗
Introduced Senate Bill (S) Read version ↗
Recorded votes
SB 169 - Baldwin - 3rd Reading
January 22, 2026 · Senate · pass
yes: 43 · no: 1 · excused: 2 · not voting: 3
Official vote source ↗Individual member positions (49)
| Member | Vote |
|---|---|
| Yoder | yes |
| Niezgodski | yes |
| Gaskill | yes |
| Carrasco | yes |
| Walker K | yes |
| Niemeyer | yes |
| Garten | yes |
| Byrne | yes |
| Walker G | yes |
| Maxwell | yes |
| Freeman | yes |
| Buck | yes |
| Tomes | yes |
| Leising | yes |
| Ford J.D. | yes |
| Brown | yes |
| Taylor | yes |
| Koch | yes |
| Doriot | yes |
| Bray | yes |
| Spencer | yes |
| Johnson | yes |
| Donato | yes |
| Bohacek | yes |
| Schmitt | yes |
| Jackson, L | yes |
| Dernulc | yes |
| Baldwin | yes |
| Rogers | yes |
| Hunley | yes |
| Deery | yes |
| Alting | yes |
| Raatz | yes |
| Holdman | yes |
| Crider | yes |
| Alexander | yes |
| Randolph | not voting |
| Busch | not voting |
| Bassler | not voting |
| Mishler | excused |
| Becker | excused |
| Buchanan | no |
| Qaddoura | yes |
| Goode | yes |
| Clark | yes |
| Young | yes |
| Pol | yes |
| Glick | yes |
| Charbonneau | yes |
SB 169 - Teshka - 3rd Reading
February 23, 2026 · House · pass
yes: 93 · no: 1 · excused: 4 · not voting: 2
Official vote source ↗Individual member positions (100)
| Member | Vote |
|---|---|
| Mr. Speaker | not voting |
| Miller, K | not voting |
| Moseley | excused |
| Moed | excused |
| McGuire | excused |
| Behning | excused |
| Pryor | no |
| Pierce, M | yes |
| King | yes |
| Engleman | yes |
| Pierce, K | yes |
| Karickhoff | yes |
| Dvorak | yes |
| Pfaff | yes |
| Judy | yes |
| DeVon | yes |
| Zimmerman | yes |
| Payne | yes |
| Jordan | yes |
| DeLaney | yes |
| Yocum | yes |
| Patterson | yes |
| Johnson, B | yes |
| Davis | yes |
| Wesco | yes |
| Pack | yes |
| Jeter | yes |
| Dant Chesser | yes |
| VanNatter | yes |
| Olthoff | yes |
| Jackson, C | yes |
| Culp | yes |
| Thompson | yes |
| O'Brien | yes |
| Isa | yes |
| Criswell | yes |
| Teshka | yes |
| Novak | yes |
| Ireland | yes |
| Commons | yes |
| Sweet | yes |
| Morris | yes |
| Hostettler | yes |
| Clere | yes |
| Summers | yes |
| Miller, D | yes |
| Heine | yes |
| Cash | yes |
| Steuerwald | yes |
| Meltzer | yes |
| Heaton | yes |
| Carbaugh | yes |
| Soliday | yes |
| McNamara | yes |
| Hatcher | yes |
| Campbell | yes |
| Snow | yes |
| Mayfield | yes |
| Harris | yes |
| Burton | yes |
| Smith, V | yes |
| May | yes |
| Hamilton | yes |
| Borders | yes |
| Smith, H | yes |
| Manning | yes |
| Hall | yes |
| Bauer | yes |
| Smaltz | yes |
| Lucas | yes |
| Haggard | yes |
| Bascom | yes |
| Slager | yes |
| Lopez | yes |
| Greene | yes |
| Bartlett | yes |
| Shonkwiler | yes |
| Lindauer | yes |
| Goss-Reaves | yes |
| Bartels | yes |
| Shackleford | yes |
| Lehman | yes |
| Gore | yes |
| Barrett | yes |
| Rowray | yes |
| Ledbetter | yes |
| GiaQuinta | yes |
| Baird | yes |
| Pressel | yes |
| Lawson | yes |
| Genda | yes |
| Aylesworth | yes |
| Prescott | yes |
| Lauer | yes |
| Garcia Wilburn | yes |
| Andrade | yes |
| Porter | yes |
| Klinker | yes |
| Errington | yes |
| Abbott | yes |
SB 169 - Baldwin
February 25, 2026 · Senate · pass
yes: 46 · no: 0 · excused: 1 · not voting: 3
Official vote source ↗Individual member positions (50)
| Member | Vote |
|---|---|
| Qaddoura | not voting |
| Mishler | not voting |
| Doriot | not voting |
| Pol | excused |
| Raatz | yes |
| Glick | yes |
| Byrne | yes |
| Niezgodski | yes |
| Gaskill | yes |
| Busch | yes |
| Young | yes |
| Niemeyer | yes |
| Garten | yes |
| Buck | yes |
| Yoder | yes |
| McKinley | yes |
| Freeman | yes |
| Dernulc | yes |
| Bohacek | yes |
| Taylor | yes |
| Johnson | yes |
| Deery | yes |
| Becker | yes |
| Spencer | yes |
| Jackson, L | yes |
| Crider | yes |
| Bassler | yes |
| Schmitt | yes |
| Hunley | yes |
| Clark | yes |
| Baldwin | yes |
| Rogers | yes |
| Holdman | yes |
| Charbonneau | yes |
| Alting | yes |
| Randolph | yes |
| Goode | yes |
| Carrasco | yes |
| Alexander | yes |
| Buchanan | yes |
| Walker K | yes |
| Maxwell | yes |
| Ford J.D. | yes |
| Brown | yes |
| Walker G | yes |
| Leising | yes |
| Donato | yes |
| Bray | yes |
| Tomes | yes |
| Koch | yes |
Legislative history
- Third reading: passed; Roll Call 53: yeas 43, nays 1
- Second reading: ordered engrossed
- Senator Randolph added as coauthor
- Committee report: amend do pass, adopted
- Authored by Senator Baldwin
- First reading: referred to Committee on Insurance and Financial Institutions
- Signed by the Speaker
- Signed by the President of the Senate
- Public Law 115
- Signed by the President Pro Tempore
- Signed by the Governor
- Senate concurred with House amendments; Roll Call 278: yeas 46, nays 0
- Motion to concur filed
- Returned to the Senate with amendments
- Third reading: passed; Roll Call 305: yeas 93, nays 1
- Second reading: ordered engrossed
- Committee report: amend do pass, adopted
- First reading: referred to Committee on Financial Institutions
- Referred to the House
- House sponsor: Representative Teshka
State and local records are supplied by Plural Open (Open States), with links to original legislative sources. Coverage and update times vary. A vote passing one chamber does not mean a bill became law. State source changes are checked hourly; some detailed records may appear later because of source limits.