American Lending Fairness Act of 2026

February 12 – March 9, 2026

Rep. Davidson and Senator Moreno have introduced the American Lending Fairness Act (H.R. 7866 and S. 3889) to prohibit states from enforcing interest rate caps on loans issued by out-of-state banks and credit unions.

Policies

Banking: Interest Rate Rules for Out-of-State Loans

H.R. 7866

Senate Bill Would Let Out-of-State Lenders Bypass Local Interest Rate Caps

S. 3889

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