relative to certain laws applicable to state chartered banks, credit unions, trust companies, and other consumer credit entities subject to the authority of the banking department.

The bill's status label changed from 'As Amended by the Senate' to 'Version Adopted by Both Bodies,' reflecting that both chambers approved the final version.

A new date line (4Jun2026... 2161EBA) was added to record when both bodies adopted the bill.

Depository banks were added to the list of institutions exempt from per-examination fees under paragraph I-a. The House version only exempted credit unions, trust companies, and family trust companies; the Senate version adds depository banks.

Depository banks were added to those required to pay the $23,000 annual fixed base fee under paragraph I-a(a). The House version explicitly excluded depository banks from this fee; the Senate version removes that exclusion and instead only excludes family trust companies (which pay a separate $11,000 fee).

The bill's scope expanded from 3 topics (fees, mortgage license restrictions, banking department request) to 7 topics, adding money transmitter regulation amendments, multistate licensing system authorization, application fee increases, trust company ownership definition changes, and broader license fee increases for small loan lenders, mortgage bankers/servicers/brokers/originators, money transmitters, and debt adjusters.

Depository banks were removed from the group exempt from regular examination fees. Only credit unions, trust companies, and family trust companies now qualify for the fixed base fee in lieu of per-exam charges. Depository banks revert to paying the standard per-examination fee.

The annual fixed base fee for state-chartered credit unions and trust companies (excluding depository banks and family trust companies) was reduced from $28,000 to $23,000. The family trust company fee remains at $11,000.

A specific effective date of July 1, 2027 was added. The fixed base fee structure and the exemption from regular examination fees only apply to examinations commencing on or after that date, with the annual fee beginning in the fiscal year starting July 1, 2027.

The examination fee calculation method was modified to specify that salary costs are calculated 'over the 2 prior fiscal years,' providing a more defined lookback period for determining the average daily rate used in fee calculations.

Paragraph I-b was broadened from listing specific institution types (depository bank, credit union, trust company, family trust company) to the general term 'state-chartered institution,' making the exception for travel costs and non-regular examination fees apply more broadly.