Connecticut · Through Revised to January 1, 2026 (2026 Supplement to the General Statutes of Connecticut, applied over the base revision of January 1, 2025)

Conn. Gen. Stat. § 49-13b: Time limit re commencement of action to foreclose mortgage on residential real property. Extension of time limit. Exceptions.

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(a) Notwithstanding any provision of the general statutes, and except as otherwise provided in subsections (b) and (c) of this section, an action to foreclose a mortgage on residential real property, as defined in section 49-31k, shall not be commenced following the earlier of:
(1) Ten years from the date fixed for the making of the last payment or the maturity date set forth in the mortgage or the note, bond or other obligation secured by the mortgage, whether the date is itself set forth or may be calculated from information contained in the mortgage or note, bond or other obligation, except if the date fixed for the making of the last payment or the maturity date has been extended by a written instrument, the action to foreclose shall not be commenced after ten years from the extended date under the terms of the written instrument; or
(2) Ten years from the date on which any payment on account by, or on behalf of, the debtor last occurred.
(b) If any law, order or rule prohibits the commencement of a foreclosure action at any time during the final two years of the applicable time limit established in subsection (a) of this section, such time limit shall be extended by a period of time equal to the duration of the prohibition.
(c) The provisions of subsections (a) and (b) of this section shall not apply to:
(1) Any mortgage that (A) was recorded before January 1, 2026, and was first in priority at the time when such first mortgage was recorded, including, but not limited to, any such first mortgage that was recorded subsequent to a mortgage that has been satisfied but not yet released; or (B) regardless of when such mortgage was recorded, was subordinate to a first mortgage at the time when such subordinate mortgage was recorded and is held by the original mortgagee, such original mortgagee's subsidiary or affiliate or any successor of such original mortgagee by merger or other acquisition of such original mortgagee; or
(2) Any action commenced under section 49-30.

Where this section sits in the code

TITLE 49. MORTGAGES AND LIENS
CHAPTER 846. MORTGAGES

(1) Ten years from the date fixed for the making of the last payment or the maturity date set forth in the mortgage or the note, bond or other obligation secured by the mortgage, whether the date is itself set forth or may be calculated from information contained in the mortgage or note, bond or other obligation, except if the date fixed for the making of the last payment or the maturity date has been extended by a written instrument, the action to foreclose shall not be commenced after ten years from the extended date under the terms of the written instrument; or

(2) Ten years from the date on which any payment on account by, or on behalf of, the debtor last occurred.

(b) If any law, order or rule prohibits the commencement of a foreclosure action at any time during the final two years of the applicable time limit established in subsection (a) of this section, such time limit shall be extended by a period of time equal to the duration of the prohibition.

(1) Any mortgage that (A) was recorded before January 1, 2026, and was first in priority at the time when such first mortgage was recorded, including, but not limited to, any such first mortgage that was recorded subsequent to a mortgage that has been satisfied but not yet released; or (B) regardless of when such mortgage was recorded, was subordinate to a first mortgage at the time when such subordinate mortgage was recorded and is held by the original mortgagee, such original mortgagee's subsidiary or affiliate or any successor of such original mortgagee by merger or other acquisition of such original mortgagee; or

(2) Any action commenced under section 49-30.

Collected 2026-09-06T19:07:27Z. Source file · JSON

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