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Empowering States' Rights To Protect Consumers Act of 2026

S. 3721 Sen. Sheldon Whitehouse (D-RI) In committee
Bill text PDF
  1. Introduced Jan 29
  2. Committee Jan 29
  3. Passed Senate Next
  4. Passed House Not yet
  5. To President Not yet
  6. Law Not yet
Where it stands
In committee, Jan 29, 2026Next: Senate vote
272d ago Jan 29, 2026: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Final votes
No roll callsNo recorded vote on this bill yet
Lobbying
1company, 3 filings
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Summary

This bill amends the Truth in Lending Act to allow states to set maximum annual percentage rates (APRs) for most consumer credit transactions. Sec. 2, Limits on annual percentage rates: This section adds a new rule to the Truth in Lending Act stating that, for any consumer credit transaction that is not a residential mortgage, the APR (including any fees) cannot exceed the maximum rate allowed by the laws of the state where the consumer lives. This rule applies regardless of any other federal law. The section also makes a technical update to the law's table of contents to include this new rule.

Summary of the bill text as introduced in Senate (Jan 29, 2026), generated by SecBot from the official bill text; the Library of Congress summary is not yet published.

Official record from Congress.gov, the House Clerk and the Senate; lobbying from Lobbying Disclosure Act filings. Updated Oct 28, 2026.