Back to Tennessee

HB1892 • 2026

Real Property

AN ACT to amend Tennessee Code Annotated, Title 9, Chapter 23 and Title 67, Chapter 5, relative to taxpayer agreements.

Taxes
Active

The official status still shows this bill as active or still awaiting another formal step.

Sponsor
Williams, Briggs
Last action
2026-04-06
Official status
Received from House, Passed on First Consideration
Effective date
Not listed

Plain English Breakdown

The bill summary and text do not provide specific details about how bondholders are protected in case of non-payment by property owners.

Taxpayer Agreement Act

This bill allows tax increment agencies to enter into taxpayer agreements with property owners to secure bonds or lease obligations, prioritizing these agreements over other liens and requiring specific notifications and recordings.

What This Bill Does

  • Allows a tax increment agency to make agreements with property owners in plan areas to guarantee bond payments.
  • Requires that these agreements be treated like property taxes for payment purposes.
  • Makes the taxpayer agreement lien take priority over existing or future mortgages, liens, or other claims on the property.
  • Requires tax increment agencies to notify county trustees about taxpayer agreements and their enforcement requirements.
  • Specifies that any direct payments not yet due under a taxpayer agreement cannot be accelerated by foreclosure of property taxes.

Who It Names or Affects

  • Tax increment agencies
  • Property owners in plan areas
  • County trustees

Terms To Know

taxpayer agreement
A contract between a tax increment agency and property owners to secure bond payments.
lien
A legal claim on property that secures the payment of a debt or charge.

Limits and Unknowns

  • The bill does not specify how existing mortgages will be affected by taxpayer agreements.
  • It is unclear what happens if a property owner fails to comply with the requirements in a taxpayer agreement.
  • The exact impact on bondholders and lien enforcement procedures remains unspecified.

Amendments

These notes stay tied to the official amendment files and metadata from the legislature.

Amendment 1-0 to HB1892

Plain English: The amendment changes how tax increment agencies can enter into agreements with property owners and ensures that these agreements have priority over other liens on the property.

  • A tax increment agency must get written consent from mortgage or deed of trust holders before entering a taxpayer agreement, ensuring it does not trigger an event of default under existing mortgages or deeds of trust.
  • Taxpayer agreements are treated like property taxes for payment obligations related to bonds or lease obligations.
  • Taxpayer agreements have priority over other liens and must be filed with the county trustee along with certification from a third-party bond trustee.
  • The amendment text does not specify all details about how these changes will be implemented, which may leave some questions unanswered.
Amendment 1-0 to SB1760

Plain English: The amendment changes how tax increment agencies can enter into agreements with property owners and ensures that these agreements have priority over other liens on the property.

  • A tax increment agency must get written consent from mortgage or deed of trust holders before entering a taxpayer agreement, ensuring it does not trigger an event of default under existing mortgages or deeds.
  • Taxpayer agreements are treated like property taxes for payment obligations related to bonds or lease obligations.
  • Taxpayer agreements have priority over other liens and encumbrances on the property.
  • The tax increment agency must notify the county trustee about requirements in a taxpayer agreement, including certification by a third-party bond trustee.
  • Some parts of the amendment text are technical and may be hard to understand without legal expertise.

Bill History

  1. 2026-04-10 Tennessee General Assembly

    Placed on Senate Regular Calendar for 4/14/2026

  2. 2026-04-06 Tennessee General Assembly

    Received from House, Passed on First Consideration

  3. 2026-04-02 Tennessee General Assembly

    Engrossed; ready for transmission to Sen.

  4. 2026-04-02 Tennessee General Assembly

    Sponsor(s) Added.

  5. 2026-04-02 Tennessee General Assembly

    Passed H., as am., Ayes 86, Nays 0, PNV 7

  6. 2026-04-02 Tennessee General Assembly

    H. adopted am. (Amendment 1 - HA0795)

  7. 2026-03-31 Tennessee General Assembly

    Recommended for passage with amendment/s, refer to Senate Calendar Committee Ayes 8, Nays 0 PNV 0

  8. 2026-03-30 Tennessee General Assembly

    Placed on Senate State and Local Government Committee calendar for 3/31/2026

  9. 2026-03-26 Tennessee General Assembly

    H. Placed on Regular Calendar for 4/2/2026

  10. 2026-03-25 Tennessee General Assembly

    Placed on cal. Calendar & Rules Committee for 3/26/2026

  11. 2026-03-25 Tennessee General Assembly

    Placed on Senate State and Local Government Committee calendar for 3/31/2026

  12. 2026-03-25 Tennessee General Assembly

    Action deferred in Senate State and Local Government Committee to 3/31/2026

  13. 2026-03-25 Tennessee General Assembly

    Placed on Senate State and Local Government Committee calendar for 3/25/2026

  14. 2026-03-24 Tennessee General Assembly

    Rec. for pass. if am., ref. to Calendar & Rules Committee

  15. 2026-03-24 Tennessee General Assembly

    Placed on Senate State and Local Government Committee calendar for 3/25/2026

  16. 2026-03-24 Tennessee General Assembly

    Action deferred in Senate State and Local Government Committee to 3/25/2026

  17. 2026-03-18 Tennessee General Assembly

    Placed on cal. State & Local Government Committee for 3/24/2026

  18. 2026-03-18 Tennessee General Assembly

    Action def. in State & Local Government Committee to 3/24/2026

  19. 2026-03-18 Tennessee General Assembly

    Placed on Senate State and Local Government Committee calendar for 3/24/2026

  20. 2026-03-17 Tennessee General Assembly

    Action deferred in Senate State and Local Government Committee to 3/24/2026

  21. 2026-03-11 Tennessee General Assembly

    Placed on cal. State & Local Government Committee for 3/18/2026

  22. 2026-03-11 Tennessee General Assembly

    Action def. in State & Local Government Committe to 3/18/2026

  23. 2026-03-11 Tennessee General Assembly

    Placed on Senate State and Local Government Committee calendar for 3/17/2026

  24. 2026-03-04 Tennessee General Assembly

    Placed on cal. State & Local Government Committee for 3/11/2026

  25. 2026-03-04 Tennessee General Assembly

    Rec. for pass by s/c ref. to State & Local Government Committee

  26. 2026-02-25 Tennessee General Assembly

    Placed on s/c cal Cities & Counties Subcommittee for 3/4/2026

  27. 2026-02-04 Tennessee General Assembly

    Assigned to s/c Cities & Counties Subcommittee

  28. 2026-02-04 Tennessee General Assembly

    P2C, ref. to State & Local Government Committee

  29. 2026-02-02 Tennessee General Assembly

    Intro., P1C.

  30. 2026-01-22 Tennessee General Assembly

    Sponsor(s) withdrawn.

  31. 2026-01-22 Tennessee General Assembly

    Filed for introduction

  32. 2026-01-22 Tennessee General Assembly

    Passed on Second Consideration, refer to Senate State and Local Government Committee

  33. 2026-01-21 Tennessee General Assembly

    Introduced, Passed on First Consideration

  34. 2026-01-20 Tennessee General Assembly

    Filed for introduction

Official Summary Text

This bill authorizes a tax increment agency to enter into a taxpayer agreement relative to a plan area. The obligation to make payments under such an agreement that guarantees, enhances, or otherwise furthers secure bonds or lease obligations of the tax
increment agency, including taxpayer direct payments, must be treated in the same manner as property taxes. However, a tax increment agency must not condition approval of a plan on the execution of a taxpayer agreement.

TAXPAYER AGREEMENT AS A SECURITY DEVICE

This bill provides that a taxpayer agreement lien is a first and prior lien against the property on which it is imposed, from the date on which the taxpayer agreement is recorded until the lien, including any interest, penalties, or other required costs
are paid. A taxpayer agreement lien takes priority over any existing or subsequent mortgage, other lien, or other encumbrance, and may be enforced and collected in all respects as real property taxes.

This bill authorizes a taxpayer agreement to include specific requirements related to interest, penalties, and collection and enforcement responsibilities applicable to delinquent taxpayer direct payments, and taxpayer agreement lien enforcement proceedi
ngs to ensure the fullest protection of bondholders' interests.

This bill also authorizes the taxpayer agreement lien to run with the land. However, any taxpayer direct payments not yet due under the terms of the taxpayer agreement must not be accelerated or eliminated by foreclosure of a property tax lien. A provi
sion of a deed of trust, mortgage, or other agreement between a lienholder and a property owner providing for the acceleration of any payment under the deed of trust, mortgage, or agreement solely as the result of entering into taxpayer agreement is unenf
or
ceable.

TAX INCREMENT AGENCIES PERFECTING A TAXPAYER AGREEMENT

This bill requires the tax increment agency to send written notification to the county trustee for the county in which the plan area is located on or before the date of filing and recording the taxpayer agreement. The county trustee must comply with the
requirements in such an agreement in connection with any lien enforcement proceedings under the agreement, to the extent not prohibited by applicable law.

This bill requires a tax increment agency that is a party to a taxpayer agreement to file and record each taxpayer agreement with the register of deeds of the county in which the property is located. The recording must contain all of the following infor
mation:



The legal description of the property in the plan area.


The name of each property owner.


The term of the lien.


The executed taxpayer agreement.

ON APRIL 2, 2026 THE HOUSE ADOPTED AMENDMENT #1 AND
PASSED HOUSE BILL 1892, AS AMENDED.

AMENDMENT #1 makes the following changes:



Changes when a tax increment agency is authorized to enter into a taxpayer agreement relative to a plan area to after obtaining a written statement executed by each holder of an existing, previously recorded mortgage or deed of trust on the property securing indebtedness and in which each holder consents to the taxpayer agreement and indicates that the assessment does not constitute an event of default under the existing mortgage or deed of trust.


Revises a taxpayer agreement lien from taking priority over any existing or subsequent mortgage, other lien, or other encumbrance to
, instead,
having parity with real estate tax liens, taking priority over any existing or subsequent mortgage, other lien, or other encumbrance.


Revises the required written notification for the tax increment agency
provision
to
, instead,
on or before the date of filing and recording the taxpayer agreement,
require
the tax increment agency
to
send written notification to the county trustee for the county in which the plan area is located of requirements described in the bill, including certification that the requirements will be administered by a third-party bond trustee. Upon an event of nonpayment, the third-party bond trustee must coordinate with the county trustee to ensure compliance with the requirements in a taxpayer agreement in connection with any lien enforcement proceedings under a taxpayer agreement, to the extent not prohibited by applicable law.

Current Bill Text

Read the full stored bill text
SENATE BILL 1760
By Briggs

HOUSE BILL 1892
By Williams
HB1892
011183
- 1 -

AN ACT to amend Tennessee Code Annotated, Title 9,
Chapter 23 and Title 67, Chapter 5, relative to
taxpayer agreements.

BE IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF TENNESSEE:
SECTION 1. Tennessee Code Annotated, Section 9-23-102, is amended by adding the
following language as new, appropriately designated subdivisions:
( ) "Taxpayer agreement" means a contract under which a record owner or
owners of property in the plan area agree to guarantee, enhance, or otherwise further
secure bonds or lease obligations of a tax increment agency;
( ) "Taxpayer agreement lien" means a lien that is treated in the same manner
as property taxes for purposes of § 67-5-2101 after filing and recording the taxpayer
agreement in the real property records of the county in which the property in the plan
area is located;
( ) "Taxpayer direct payment" means an amount equal to the positive difference,
if any, between:
(A) The amount of the next-due debt service payment on tax increment
agency bonds or other obligations that financed improvements in the plan area;
and
(B) The tax increment revenues actually generated within the plan area
for the applicable period available to pay such debt service.
SECTION 2. Tennessee Code Annotated, Title 9, Chapter 23, is amended by adding
the following as a new section:

- 2 - 011183

(a) A tax increment agency may enter into a taxpayer agreement relative to a
plan area, and the obligation to make payments under a taxpayer agreement that
guarantee, enhance, or otherwise further secure bonds or lease obligations of the tax
increment agency under this section, including taxpayer direct payments, must be
treated in the same manner as property taxes for purposes of § 67-5-2101.
Notwithstanding this section to the contrary, a tax increment agency shall not condition
approval of a plan on the execution of a taxpayer agreement.
(b) A taxpayer agreement lien:
(1) Is a first and prior lien against the property on which it is imposed,
from the date on which the taxpayer agreement is recorded until the lien,
including any interest, penalties, or other required costs are paid;
(2) Takes priority over any existing or subsequent mortgage, other lien,
or other encumbrance; and
(3) May be enforced and collected in all respects as real property taxes.
(c)
(1) Notwithstanding this section to the contrary, a taxpayer agreement
may include specific requirements related to:
(A) Interest, penalties, and collection and enforcement
responsibilities applicable to delinquent taxpayer direct payments; and
(B) Taxpayer agreement lien enforcement proceedings to ensure
the fullest protection of bondholders' interests.
(2) The tax increment agency shall send written notification to the county
trustee for the county in which the plan area is located of requirements described
in subdivision (c)(1) on or before the date of filing and recording the taxpayer
agreement. The county trustee shall comply with the requirements in a taxpayer

- 3 - 011183

agreement in connection with any lien enforcement proceedings under a
taxpayer agreement, to the extent not prohibited by applicable law.
(d) The taxpayer agreement lien runs with the land, and any taxpayer direct
payments not yet due under the terms of the taxpayer agreement must not be
accelerated or eliminated by foreclosure of a property tax lien.
(e) A provision of a deed of trust, mortgage, or other agreement between a
lienholder and a property owner providing for the acceleration of any payment under the
deed of trust, mortgage, or agreement solely as the result of entering into taxpayer
agreement is unenforceable.
(f) The tax increment agency that is a party to a taxpayer agreement shall file
and record each taxpayer agreement with the register of deeds of the county in which
the property is located. The recording must contain:
(1) The legal description of the property in the plan area;
(2) The name of each property owner;
(3) The term of the lien; and
(4) The executed taxpayer agreement.
SECTION 3. This act takes effect upon becoming a law, the public welfare requiring it,
and applies to contracts and other agreements entered into, amended, or renewed on or after
such date.