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Senate committee hears SB 5,831 to adopt Uniform Mortgage Modification Act for clearer mortgage-priority rules

Washington State Senate Business, Economic Development & Trade Committee · January 21, 2026
AI-Generated Content: All content on this page was generated by AI to highlight key points from the meeting. For complete details and context, we recommend watching the full video. so we can fix them.

Summary

Staff briefed and an outside counsel testified in favor of SB 5,831, which would enact the Uniform Mortgage Modification Act to define safe-harbor mortgage modifications that preserve lien priority in foreclosure; committee members asked whether the bill preempts existing mortgage law.

The committee opened public testimony on Senate Bill 5,831, which would enact the Uniform Mortgage Modification Act (UMMA) to clarify how mortgage modifications affect lien priority in foreclosure proceedings.

Committee staff explained the bill defines mortgage modifications and establishes that specified "safe-harbor"…

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