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Committee advances HF 3479 to judiciary after testimony that it helps homeowners postpone foreclosure sales
Summary
House File 3479, which clarifies and broadens who may postpone a mortgage foreclosure sale (including heirs) and resolves timing ambiguities, passed out of the Commerce Committee to judiciary after testimony from legal aid and lenders that the measure helps homeowners save their homes.
House File 3479, introduced and amended in committee on Feb. 23, 2026, clarifies the law governing borrower postponement of mortgage foreclosure sales. Eric Cook (attorney handling foreclosure matters) and Colleen Daley (staff attorney, Mid-Minnesota Legal Aid) described the measure as a consumer-protective tool that broadens who can postpone a sale (to include heirs) and reduces legal ambiguity about when and how postponements operate.
Colleen Daley told the committee allowing postponement "is a very good way to let [homeowners] catch up and maybe get a loan modification," potentially keeping homeowners in their homes and preserving equity. Eric Cook called the measure a narrow statutory clarification that minimizes clouds on title by preserving foreclosures that follow acceptance of a borrower postponement affidavit even if the affidavit is later found defective.
Committee members adopted an A1 amendment to add effective dates and technical fixes, then moved the bill to the judiciary committee by voice vote. Committee materials and witnesses characterized the bill as narrowly tailored to ease implementation and resolve long-standing statutory ambiguities in the postponement process.
