Citizen in a RepublicNH Bill Briefing
← All bills

HB 437 · 2025 · House · Housing Committee

Discharge process for old mortgages

AI-generated

providing specific curative measures for undischarged mortgages.

Establishes automatic discharge periods for undischarged mortgages based on whether their term or maturity date is stated.AI-generated

Status

Signed into law · July 8, 2025
  1. ✓Introduced
  2. ✓House
  3. ✓Senate
  4. ✓Governor
  5. ✓Law

Analysis

This bill establishes automatic discharge periods for undischarged mortgages based on whether their term or maturity date is stated or not.

From the bill's official ANALYSIS section.

Official record

Bill page — docket & status

gc.nh.gov · the authoritative source

Sponsors

Rep. Bill BoydRPrimeClerk· Public Works and Highways
  • Rep. Steven BogertRAssistant Majority Whip
  • Rep. Katelyn KuttabRClerk· Judiciary
  • Rep. Jodi NelsonRClerk· Children and Family Law
  • Rep. Robert WherryRChair· Special Committee on COVID Response Efficacy
  • Sen. Bill GannonRChair· Judiciary

Also: Rep. Mary Hakken-PhillipsD, Rep. Maureen MooneyR, Rep. Nancy MurphyD, Rep. Rosemarie RungD, Sen. Tim McGoughR, Sen. Tara ReardonD, Sen. David WattersD

Public testimony

56 signed in online · 18 wrote testimony

95% support5% oppose0% neutral

In their wordsVerbatim, exactly as submitted

“As a lawyer in private practice for over 37 years and as a Member of the NH Bar Association's Title Standard Subcommittee since 2004, I wholeheartedly support this Bill.…”
— Chris Boldt, Sandwichsupports
“I support this consumer protection bill that will help consumers that are victims of lenders who can't manage their own chain of transfers for a mortgage, resulting in consumers forced to pay for and complete a quiet title to remove the cloud on their title due to the lenders poor recording keeping and management.…”
— Kathleen Button, Amherstsupports
“I am an attorney licensed in New Hampshire and Massachusetts and have been primarily practicing in New Hampshire real estate matters for approximately seven years.…”
— Theodore P Prizio, Chelmsfordsupports
“This process appears to be a ripoff of confused senior citizens or their heirs. At a minimum' legal posting of the proposed discharge should be required, better yet would be a required petition in probate court.”
— Roy Schweiker, Concordopposes

Verbatim excerpts of submitted testimony, quoted from the testimony tool.

Read the testimony · as of Aug 12, 2026

Hearings

  • 2025-02-1910:00 amHouse Commerce and Consumer AffairsLOB 302-304Public hearing
  • 2025-03-1210:00 amHouse Commerce and Consumer AffairsLOB 302-304Public hearing
  • 2025-03-1910:00 amHouse Commerce and Consumer AffairsLOB 302-304Public hearing
  • 2025-04-159:30 amSenate CommerceSH 100Public hearing

Legislative history

  1. Jan 9, 2025HouseIntroduced (in recess of) 01/09/2025 and referred to Housing HJ 3 P. 9
  2. Jan 9, 2025HouseVacated and Referred to Commerce and Consumer Affairs (): MA VV (in recess of) 01/09/2025 HJ 3 P. 9
  3. Feb 19, 2025HousePublic Hearing: 02/19/2025 10:00 am LOB 302-304
  4. Mar 12, 2025HouseSubcommittee Work Session: 03/12/2025 10:00 am LOB 302-304
  5. Mar 19, 2025HouseExecutive Session: 03/19/2025 10:00 am LOB 302-304
  6. Mar 19, 2025House: Ought to Pass with Amendment # 2025-0519h 03/19/2025 (Vote 16-0; CC) HC 17 P. 7
  7. Mar 26, 2025HouseAmendment # 2025-0519h: AA VV 03/26/2025 HJ 10 P. 7
  8. Mar 26, 2025HouseOught to Pass with Amendment 2025-0519h: MA VV 03/26/2025 HJ 10 P. 7
  9. Mar 27, 2025SenIntroduced 03/27/2025 and Referred to Commerce; SJ 10
  10. Apr 15, 2025SenHearing: 04/15/2025, Room 100, SH, 10:20 am; SC 17
  11. May 8, 2025Sen: Ought to Pass, 05/08/2025; Vote 5-0; CC; SC 20
  12. May 8, 2025SenOught to Pass: MA, VV; OT3rdg; 05/08/2025; SJ 12
  13. Jun 12, 2025SenEnrolled Adopted, VV, (In recess 06/12/2025); SJ 17
  14. Jun 12, 2025HouseEnrolled (in recess of) 06/12/2025 HJ 17 P. 26
  15. Jul 7, 2025HouseSigned by Governor Ayotte 07/07/2025; Chapter 157; eff.09/05/2025

Coverage

No reporting linked yet.

Documents (PDF)

Bill text & amendments link direct to gc.nh.gov; committee reports stream from the state record.