HEI Facts.com

StateLast checked September 23, 2026

Home equity investments in Connecticut

1 of the six major home equity investment providers operate in Connecticut. Connecticut has an HEI-specific law or rule in effect.

Providers operating in Connecticut

1 of the six major providers say they operate in Connecticut. Availability can vary by county.

  • Pointup to 30-year term · cost cap 18% a year · about 14.3% a year in our standard example

Provider lists come from each provider's own availability page, retrieved September 23, 2026. All states.

Laws, rules, and reports

ConnecticutLawIn effectDisclosure section effective October 1, 2025

Connecticut: shared appreciation agreements are residential mortgage loans

Connecticut's banking law defines shared appreciation agreements and includes them in "residential mortgage loan" for licensing purposes (General Statutes § 36a-485).

  • A disclosure section, § 36a-498i, has been in effect since October 1, 2025. It requires disclosures within three business days of application, including repayment scenarios at several settlement points.

The definition is confirmed in the statute. The § 36a-498i details are as reported by the law firm analysis linked below.


Sources: Connecticut General Statutes, chapter 668 (§ 36a-485) · National Law Review: more regulation for HEI products secondary

Enforcement and court cases

We found no enforcement action or court case involving home equity investments in Connecticut as of September 23, 2026.

Bills

We found no pending HEI bill in Connecticut as of September 23, 2026.

Federal activity

2 federal items pending that would apply in every state: Home Equity Lending Integrity Act (S. 4803), Shared Home Appreciation for Residential Equity Act (H.R. 8116).

Before you sign in Connecticut

  1. Check the company's license at NMLS Consumer Access.
  2. Ask for the settlement amount at 0%, 4%, and 8% yearly appreciation, and for when you might settle.
  3. Convert each offer to an effective yearly cost on HEI Calculator and compare it with a HELOC or home equity loan (HEI vs HELOC).

Reference information, not legal advice. Facts last checked September 23, 2026. Know of something we're missing in Connecticut? Tell us.

HEI Calculator

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