View entire chapter

	GENERAL PROVISIONS
443.005	Security instrument defined. (8/28/1993)
443.010	Mortgage, assumption of upon purchase not construed to extend mortgage to other lands, when. (8/28/1939)
443.020	Claim of such extension barred, when. (8/28/1949)
443.030	Prior acknowledgment of deed of trust deemed valid. (8/28/1939)
443.035	Recording of instrument required — failure to record, effect on persons subsequently obtaining interest or lien. (8/28/1993)
443.055	Future advances may be secured, how — definitions — requirements — limitations — priorities — termination procedure, exceptions. (8/28/1992)
443.060	Acknowledgment of satisfaction and release, how made. (8/28/1991)
443.070	Affidavit required with deed of release, when — penalty for failure. (1/1/1986)
443.080	Satisfaction of mortgage, deed of trust or security instrument of railroad or utility, when entered. (1/1/1986)
443.090	Part of property may be released, how. (8/28/1991)
443.100	Payment of one or more notes, how cancelled — memorandum on record — affidavit required, content, to be presented to recorder. (8/28/1994)
443.110	Partial release of certain mortgages, deeds of trust or security instruments made how — conditions — requirements. (1/1/1986)
443.120	Penalty for making false affidavit. (8/28/1939)
443.130	Liability for failing to satisfy — demand by certified mail required. (8/28/2004)
443.140	Attorney in fact may enter satisfaction. (8/28/1994)
443.150	Acknowledgment and satisfaction — how made by a corporation. (8/28/1994)
443.160	Personal representative may satisfy and deliver deed or release. (8/28/1994)
443.170	Penalty for failing to acknowledge satisfaction and deliver deed of release. (8/28/1994)
443.180	Sections 443.160 and 443.170 construed. (8/28/1939)
443.185	Releases of mortgages or deeds of trust defective — deemed valid, when. (8/28/1951)
443.190	Petition to foreclose, where filed. (8/28/1965)
443.200	Petition, where filed. (8/28/1939)
443.210	Proceedings to be as in civil actions. (8/28/1939)
443.220	Who may be made parties. (8/28/1965)
443.230	Judgment on constructive notice. (8/28/1965)
443.240	Judgment on personal service. (8/28/1965)
443.250	Proceedings where mortgagee, secured party, mortgagor or debtor dies. (8/28/1965)
443.260	Judgment when personal representative is party defendant. (8/28/1965)
443.270	Execution to be a special fieri facias. (8/28/1939)
443.280	Title which purchaser acquires. (8/28/1939)
443.290	Mortgages and security agreements with power of sale. (8/28/1965)
443.300	Death of debtor, foreclosure stayed. (8/28/1973)
443.310	Sales, where made — number of days' notice. (8/28/1989)
443.320	Notice, contents — how published. (8/28/1989)
443.325	Individual notice of foreclosure sale — form of request for — recorder's duty — foreclosing part to give notice — release of security instrument, effect of — notice deemed given, when. (7/14/1975)
443.327	Sale by trustee exercising powers under security instrument — times when sale may be held — places where sale may be held. (8/28/1994)
443.330	Trustee failing to execute trust, parties interested may proceed, how. (8/28/1983)
443.340	Court to appoint sheriff or other suitable person, when — power and duties of trustee. (8/28/1949)
443.350	Foreign corporation or person not to act as trustee, unless domestic corporation or resident trustee be named as cotrustee — domestic corporation under no disability because articles do not contain specific power. (8/28/1994)
443.355	Continuance of sale by trustee without readvertisement, manner — restrictions. (8/28/1993)
443.360	Compensation of trustees under trust deeds. (8/28/1939)
443.370	Penalty for overcharging. (8/28/1939)
443.380	Recitals in deed prima facie evidence. (8/28/1939)
443.390	Trustee's deed not to be accepted by recorder in certain cities or counties unless unpaid notes are produced — duties of recorder. (8/28/1994)
443.400	Redemption before sale. (8/28/1994)
443.410	Foreclosures by trustee's sale — how made — redemption. (8/28/1993)
443.415	Mortgage may be insured for certain buyers, amount, requirements. (8/28/2002)
443.420	Notice of redemption — how given, rights. (8/28/1939)
443.430	Motion for approval of bond for redemption — hearing — receiver — additional bond. (1/2/1979)
443.440	Certificate of sale — upon failure to redeem, deed to be executed. (8/28/1939)
443.451	Mortgage or deed of trust securing payment of bonds issued by interstate gas pipeline company or public utility, filing in office of secretary of state — notice — lien — refiling, effect — satisfaction, release, or cancellation, duties of secretary of state — fee — not to affect instruments filed prior to effective date of section. (8/28/1993)
443.453	Financial institutions to pay property tax, how. (8/28/1999)
443.454	Enforcement and servicing of real estate loans, federal and state law preemption. (8/28/2013)
	MORTGAGE BROKERS LICENSING
443.701	Citation of law. (7/7/2010)
443.703	Definitions. (7/7/2010)
443.706	Licensure required, when — effective date — exemptions. (7/8/2009)
443.707	Loan processors and underwriters, license required. (7/8/2009)
443.709	Rulemaking authority — expedited review and licensing procedures permitted, when. (7/8/2009)
443.711	Application for licensure, form — records and fees — modification of licensure requirements permitted, when — use of NMLSR as an agent, when. (7/8/2009)
443.713	Findings required for licensure. (7/8/2009)
443.717	Prelicensing education requirements. (8/28/2020)
443.719	Written test required, test measures — minimum competency requirements. (10/16/2015)
443.721	Renewal of licensure, minimum standards. (7/8/2009)
443.723	Continuing education requirements. (8/28/2013)
443.725	Duties of director — rule requirements authorized. (7/8/2009)
443.727	Challenge of information in NMLSR. (7/8/2009)
443.729	Supervision and enforcement — civil penalty. (7/8/2009)
443.731	Surety bond requirements. (7/8/2009)
443.733	Supervisory information sharing — confidentiality requirements. (7/8/2009)
443.735	Investigations and examinations, authority of director. (7/8/2009)
443.737	Violations. (7/8/2009)
443.739	Reports of condition required. (7/8/2009)
443.741	Violations, director required to report. (7/8/2009)
443.743	Nonfederally insured credit unions, registration of employed loan originators required. (7/8/2009)
443.745	Unique identifier to be shown on applications, solicitations, or advertisements. (7/8/2009)
443.747	Severability clause — rulemaking authority. (7/8/2009)
443.805	License required to broker residential mortgage. (8/28/2014)
443.807	Director, power to request injunction, when. (7/8/2009)
443.809	Examination, powers of director to inspect records of licensed persons. (7/8/2009)
443.810	Penalty for violations. (1/1/2017)
443.812	One license issued to each broker — record required of locations where any business is conducted — supervision requirements — waiver of licensure, when — manufactured or modular home loans. (8/28/2017)
443.816	Residential mortgage board created — members, appointment, qualification, terms, vacancies, compensation, duties. (7/8/2009)
443.817	Board members to file business transactions with ethics commission — rules authorized to avoid conflict of interest. (7/8/2009)
443.819	Brokerage business to be operated under actual names of persons or corporations, violation, penalties. (1/1/2017)
443.821	License to be issued on completion of requirements — notice of denial of license to contain reasons — appeal procedure. (7/8/2009)
443.823	Licenses to be issued in duplicate, effective when. (7/8/2009)
443.825	Application content, oath and form — fingerprinting, when. (8/28/2020)
443.827	Applicant for license must agree to maintain certain requirements as to methods of conducting business. (7/8/2009)
443.830	License refused — grounds. (7/8/2009)
443.833	Renewal of license, date, procedure, fee — failure to renew, license becomes inactive, reactivation — expires, when. (7/8/2009)
443.835	Broker ceasing activity and not desiring to be licensed, procedure — director to cancel license. (7/8/2009)
443.839	Application by broker to open additional full-service offices, fee — certificate to be issued and posted. (7/8/2009)
443.841	License to be displayed. (7/8/2009)
443.843	Fees to be established by director — rules authorized for assessment and collection. (7/8/2009)
443.845	Residential mortgage licensing fund created — purpose — fees to be deposited in interest-bearing account to credit of fund — amount in fund subject to lapse into general revenue. (7/8/2009)
443.849	Bonding requirements. (7/8/2009)
443.855	Advertising of mortgage loans, rulemaking authority. (8/28/2020)
443.857	Licensee shall maintain at least one full-service office with staff, duties to handle matters relating to mortgage — waiver, when. (8/28/2020)
443.861	Transfer or sale of residential mortgage, notice to be given to mortgagor, contents. (7/8/2009)
443.863	Unlawful discrimination for refusal to loan or vary terms of the loan. (7/8/2009)
443.865	Escrow accounts, placement by brokers — authority for rules. (7/8/2009)
443.867	Disclosure statement required of brokers, content — fee — compensation. (7/8/2009)
443.869	Powers and duties of director — rulemaking authority. (7/8/2009)
443.871	Director may issue subpoenas and subpoenas duces tecum — authority to administer oaths. (6/13/1995)
443.873	Failure to comply with subpoenas, director may petition circuit court for compliance order, injunctive relief and other remedies authorized. (6/13/1995)
443.875	Bond may be required, conditioned on compliance with subpoena, when. (6/13/1995)
443.877	Writ of attachment authorized on failure to comply with subpoena. (6/13/1995)
443.879	Reports required, failure to comply, penalty. (7/8/2009)
443.881	Suspension or revocation of license, grounds — procedure, penalties. (7/8/2009)
443.883	Director to maintain a staff capable of investigations — licensees to open record for investigators. (7/8/2009)
443.885	Report to be filed with director annually, contents. (7/8/2009)
443.887	General rulemaking powers of director. (7/8/2009)
443.889	Court action to recover compensation for services, proof that services performed by valid licensee required, exception. (7/8/2009)
443.891	Charge in support of removal or prohibition notice issued on certain findings of conduct. (7/8/2009)
443.893	Receiver or conservator to be appointed by court, when — attorney general's duty. (7/8/2009)
	REVERSE MORTGAGE ACT
443.901	Reverse mortgage act — definitions. (8/28/1995)
443.903	Reverse mortgage regulations. (6/4/1997)
443.906	Reverse mortgage may be made regardless of certain other transactions. (8/28/1995)
443.909	Treatment of payments for certain purposes. (8/28/1995)
443.912	Statement regarding counseling services on reverse mortgages. (8/28/1995)
	LOANS SECURED BY REAL ESTATE
443.930	Prohibited acts — constitutes mortgage fraud — no private right of action created. (8/28/2008)
	FIRST-TIME HOME BUYER SAVINGS ACCOUNT ACT
443.1001	Citation of law. (8/28/2018)
443.1003	Definitions. (8/28/2018)
443.1004	Designation of first-time home buyer savings account, use of — qualified beneficiary — limitations on accounts — service fee. (8/28/2018)
443.1005	Use of account moneys — withdrawals, subject to recapture, when, penalties — death of account holder, effect of. (8/28/2018)
443.1006	Annual reporting, forms — rulemaking authority. (8/28/2018)
443.1007	Financial institutions, actions not responsible or liable for. (8/28/2018)

- Cross References
	Claims against decedents' estates secured by mortgages, how paid, 473.387
	Error in spelling of name in conveyance, effect of, 490.450
	Insurance, by ordinances for buildings creating nuisance, repair, demolition, mortgagees' priority, 67.410
	Mechanics' and materialmen's lien on buildings, etc., to have priority over mortgage, 429.050
	Mortgages on land by minor binding unless disaffirmed within two years after maturity, 442.080
	Real estate security instrument for future advances, statute of limitations starts running, when, 516.155
	Recording of instruments in first class counties where recorder is required to maintain offices both at the county seat and another place in the county, 59.163
	Records of mortgages, not proved or acknowledged, or proved and acknowledged under prior law, to impart notice, when, 490.340
	Right of gas, electric and water corporations to create liens upon their property subject to regulation by state, 393.180, 393.190
	Right of telegraph and telephone corporations to create liens upon their property subject to regulation by state, 392.290, 392.300
	Second mortgages, insurance coverage authorized as additional charge, 408.233
	Second mortgages, violations caused by reliance on written interpretations by division, effect on interest and penalties, 408.236, 408.240
	Secondary mortgage market act not to preempt, 376.308
	Statute of limitations on real estate security instrument for future advances, 516.155
	Statute of limitations starts running on deeds of trust and mortgages when date due not on face of instrument, 516.155