Empowering States' Rights To Protect Consumers Act of 2026
In committee: it can still change before the session ends.
- Stage
- In committee
- Started in
- Senate
- Sponsors
- 4
- Latest action
- Jan 29, 2026
What it does
The bill would amend the Truth in Lending Act to allow states to set their own maximum annual percentage rates (APRs) for consumer credit transactions, excluding residential mortgages, overriding any conflicting federal provisions. It would affect lenders offering consumer credit such as credit cards, auto loans, and personal loans, requiring them to comply with the APR caps established by the state where the consumer resides. The change aims to empower states to enforce stronger consumer protections by limiting interest rates and fees on non-mortgage consumer credit.
No official summary is available here. This one was written by AI from the bill’s text.
Where it stands
Introduced (Done)
Committee (Current step)
Floor (Not started)
Law (Not started)
What moved
Who is involved
Sponsors
The lawmakers who put their names on it, lead sponsors first.
In the news
Reporting that may mention this subject. Possible matches are labeled.
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Where it goes next
While a bill can still move, the questions are about people and money.