US SB3721 | 2025-2026 | 119th Congress
Status
Sponsorship: Partisan Bill (Democrat 4)
Status: Introduced on January 29 2026 - 25% progression
Action: 2026-01-29 - Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Pending: Senate Banking, Housing, And Urban Affairs Committee
Text: Latest bill text (Introduced) [PDF]
Status: Introduced on January 29 2026 - 25% progression
Action: 2026-01-29 - Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Pending: Senate Banking, Housing, And Urban Affairs Committee
Text: Latest bill text (Introduced) [PDF]
Summary
A bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, and for other purposes.
Title
Empowering States' Rights To Protect Consumers Act of 2026
Sponsors
| Sen. Sheldon Whitehouse [D-RI] | Sen. Elizabeth Warren [D-MA] | Sen. Jack Reed [D-RI] | Sen. Jeff Merkley [D-OR] |
History
| Date | Chamber | Action |
|---|---|---|
| 2026-01-29 | Senate | Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. |
Subjects
US Congress State Sources
| Type | Source |
|---|---|
| Summary | https://www.congress.gov/bill/119th-congress/senate-bill/3721/all-info |
| Text | https://www.congress.gov/119/bills/s3721/BILLS-119s3721is.pdf |
