Repeal of K.A.R. 75-6-36 and 75-6-37

75-6-36. (Authorized by and implementing K.S.A. 16a-6-104, as amended by 2009 SB 240, §21; effective Oct. 2, 2009~;1~·ev~o=k~ed~P~-------.c..c·) 75-6-37. (Authorized by and implementing K.S.A. 16a-6-104, as amended by 2009 SB 240, §21; effective Oct. 2, 2009~;1~·e~vo=k~ed~P-_______,...,..) APPROVED AUG 25 2025 N0V t 4· 2025 MAR OL 2026 DEPT. OF ADMINISTRATION ATTORNEY GENERAL OMSION OF THE BUDGET

Kansas Administrative Regulations
Economic Impact Statement (EIS)
Office of the State Bank Commissioner
Agency
Brock Roehler
Agency Contact
785-379-3892
Contact Phone Number
75-6-36; 75~6-37
K.A.R. Number(s)
~ Permanent D Temporary
Is/Are the proposed rule(s) and regulation(s) mandated by the federal government as a requirement for participating in or implementing a federally subsidized or assisted program? D Yes Ifyes, continue to fill out the remaining form to be included with the regulation packet submitted in the review process to the Department of Administration and the Attorney General. Budget approval is not required; however, the Division of the Budget will require submission of a copy of the EIS at the end of the review process. ~ No If no, do the total annual implementation and compliance costs for the proposed rule(s) and regulation(s), calculated from the effective date of the rule(s) and regulation(s), exceed $1.0 million or more in implementation and compliance costs that are reasonably expected to be incurred by or passed along to businesses, local governmental units and individuals as a result of the proposed rule and regulation over the initial five-year period following adoption of such rule(s) and regulation(s) (as calculated in Section III, F)?

• Yes lf"Yes," then the agency shall not adopt the rule(s) and regulation(s) until the rule(s)
  and regulation(s) has been ratified by the Legislature with a bill, unless the proposed rule(s) and regulation(s) are: 1) mandated by the federal government as a requirement for participating in or implementing a federally subsidized or assisted program, as described in K.S.A. 77-416(b)(l)(B), and amendments thereto; 2) temporary rule(s) and regulation(s) adopted pursuant to K.S.A. 77-722, and amendments thereto; or 3) rules and regulations adopted pursuant to K.S.A. 2-3710 (Kansas Agricultural Remediation Board). Continue to fill out the remaining EIS form to be included with the regulation packet in the review process to the Department of Administration and the Attorney General. The submitted EIS will be independently analyzed by the Division of the Budget for approval. ~No If no, continue to fill out the remaining form to be included with the regulation packet submitted in the review process to the Department of Administration and the Attorney General. The submitted EIS will be analyzed by the Division ofthe Budget for approval. DOB APPROVAL STAMP APPROVED MAR O 2 2026 DIVISION OF THE BU,ET Revised 07.01.2024

Section I
Analysis, brief description, and cost and benefit quantification of the proposed rule(s) and regulation(s). If the approach chosen by the Kansas agency to address the policy issue is different from that utilized by agencies of contiguous states or of the federal government, the economic impact statement shall include an explanation of why the Kansas agency's rule and regulation differs. K.A.R. 75-6-36 and 75-6-37 are being repealed since mortgages moved to the KMBA, K.S.A 9.2201 et. seq. The KMBA already has duplicate regulations at K.A.R. 17-24-3 and 17-24-5. Thus, there is no need to create a new regulation due to this change. The prelicensing and testing requirements are required by federal law. Colorado has similar regulations. Oklahoma, Missouri, and Nebraska have similar requirements by statute.
Section II
Explain whether the proposed rule and regulation is mandated by federal law as a requirement for pa1ticipating in or implementing a federally subsidized or assisted program and whether the proposed rules and regulations exceed the requirements of applicable federal law. The proposed rules and regulations are mandated by federal law but is not a requirement for participation in any federally subsidized or assisted program. These regulations are being repealed.
Section III
Agency analysis specifically addressing the following:
A. The extent to which the rule(s) and regulation(s) will enhance or restrict business activities and growth; NIA. Regulations are being repealed as they are no longer necessary. B. The economic effect, including a detailed quantification of implementation and compliance costs, on the specific businesses, sectors, public utility ratepayers, individuals, and local governments that will be affected by the proposed rule(s) and regulation(s) and on the state economy as a whole; NIA. Regulation no longer applies DOB APPROVAL STAMP APPROVED MAR O'l 2026 DIVISION OF THE auo1ET Revised 07.01 .2024

C. Businesses that would be directly affected by the proposed rule(s) and regulation(s);
NIA
D. Benefits of the proposed rule(s) and regulation(s) compared to the costs; NIA E. Measures taken by the agency to minimize the cost and impact of the proposed rule(s) and regulation(s) on business and economic development within the State of Kansas, local government, and individuals; NIA. F. An estimate of the total annual implementation and compliance costs that are reasonably expected to be incurred by or passed along to businesses, local governments, or individuals. Note : Do not account for any actual or estimated cost savings that may be realized. Implementation and compliance costs determined shall be those additional costs reasonably expected to be incurred and shall be separately identifiedfor the affected businesses, local governmental units, and individuals. Costs to Affected Businesses - $0 Costs to Local Governmental Units - $0 Costs to Individuals - $0 Total Annual Costs -$0 (sum of above amounts) Give a detailed statement of the data and methodology used in estimating the above cost estimate. Cli ck here to enter agency response. D Yes If the total implementation and compliance costs exceed $1.0 million or more in implementation and compliance costs over the initial five-year period following No adoption of such rule(s) and regulation(s) that are reasonably expected to be incurred IZI Not by or passed along to businesses, local governmental units and individuals as a result Applicable of the proposed rule and regulation, did the agency hold a public hearing to find that the estimated costs have been accurately determined and are necessary for achieving legislative intent? If applicable, document when the public hearing was held, those in attendance, and any pertinent information from the hearing. Provide an estimate to any changes in aggregate state revenues and expenditures for the implementation of the proposed rule(s) and regulation(s), for both the current fiscal year and next fiscal year. DOB APPROVAL STAMP APPROVED MAR O 2 2026 OIVISION_OF TI-IE BUDGET Revised 07.01.2024

$0
Provide an estimate of any immediate or long-range economic impact of the proposed rule(s) and regulation(s) on any individual(s), small employers, and the general public. If no dollar estimate can be given for any individual(s), small employers, and the general public, give specific reasons why no estimate is possible. $0 G. Ifthe proposed rule(s) and regulation(s) increases or decreases revenues of cities, counties or school districts, or imposes functions or responsibilities on cities, counties or school districts that will increase expenditures or fiscal liability, describe how the state agency consulted with the League of Kansas Municipalities, Kansas Association of Counties, and/or the Kansas Association of School Boards. Revenues of cities, counties or school districts will not be affected.. H. Describe how the agency consulted and solicited information from businesses, business associations, local governmental units, state agencies, or institutions and members ofthe public that may be affected by the proposed rule(s) and regulation(s) or may provide relevant information. The statutes referenced and interpreting have been repealed, so these are "dead regulations." Neve1theless, we requested comments from Rocket Mortgage, OneMain Financial, and Mortgage Bankers Association. No objections or concerns were noted. No local government unit, state agency, or institution was consulted.
Section IV
Does the Economic Impact Statement involve any environmental rule(s) and regulation(s)? D Yes If yes, complete the remainder of Section N. IZI No Ifno, skip the remainder of Section IV. A. Describe the capital and annual costs of compliance with the proposed rule(s) and regulation(s), and the individuals or entities who would bear the costs. Click here to enter agency response. B. Describe the initial and annual costs of implementing and enforcing the proposed rule(s) and regulation(s), including the estimated amount of paperwork, and the state agencies, other governmental agencies, or other individuals who will bear the costs. Cli ck here to enter agency response. DOB APPROVAL STAMP APPROVED MAR OZ 2026 DIVISION OF THE BUDG Revised 07.01.2024

C. Describe the costs that would likely accrue ifthe proposed rule(s) and regulation(s) are not adopted,
the individuals or entities who will bear the costs and who will be affected by the failure to adopt the rule(s) and regulation(s). Click here to enter agency response. D. Provide a detailed statement of the data and methodology used in estimating the costs used. Cli ck here to enter agency response. DOB APPROVAL STAMP APPROVED MAR O 2 2026 DIVISION OF TI-IE BUDGET Revised 07.01.2024

Kansas Administrative Regulations ' I
Economic Impact Statement
Public Hearing Certification
(To be completed after the public hearing)
Agency: Click here to start typing Agency Contact: Click here to start typing Phone Number or Email: Click here to start typing K.A.R. Number(s): Click here to start typing Public Hearing Date: Select date Public Hearing Time: Click here to start typing Public Hearing Location: Click here to start typing Public Hearing Attendance: Click here to start typing DOB APPROVAL STAMP Revised 07.01 .2024