Requires residential mortgage lenders to deposit hazard insurance proceeds in interest-bearing accounts.

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PASSAGE PROBABILITY

1% Unlikely

Why this number

Stage base In Committee — base rate 4%, measured from NJ's completed sessions
Momentum -5 29/100 from the pace of recorded action
Time since last action -18 128 days quiet

A transparent scoring model over stage, momentum, recency, sponsorship and recorded votes — not a trained predictor. Treat it as a way to rank attention, not as a forecast.