Limit the interest rates and fees that lenders can charge for small dollar loans.
One policy goal, tracked across every bill that has carried it.
What’s happening with SAFE Lending Act of 2025?
The SAFE Lending Act of 2025, introduced as S. 780, has been in the Senate Committee on Banking, Housing, and Urban Affairs since February 26, 2025. The committee members must act next to hold a vote, but most bills of this type never receive a committee vote and die due to inaction. This pattern of committee silence has been the primary obstacle for similar proposals since September 18, 2024.
Updated July 9, 2026 · Generated by AI. Always verify with official sources.
Where it stands
Now carried by SAFE Lending Act of 2025 (S. 780 (119th)) →
Legislative Progress
No action since February 2025
How we got here
Every bill that has carried this goal, oldest first.
Died with Congress · Jan 3, 2025
Died when the 118th Congress ended without final passage. Bills must be reintroduced under a new number to be revived.
Reintroduced · Jan 3, 2025
Reintroduced from S. 5129 (118th), which died when its Congress ended.
S. 5129 (118th) →
Vehicles
Who’s behind it
Jeff Merkley (D-OR)Wrote and sponsored the current bill.