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HR 3823 106th Congress House Finance and Financial Sector Bank accounts Bank loans Checking accounts Checks Class actions (Civil procedure) Collection of accounts Commerce Consumer credit Consumer education Consumer protection Credit unions Damages Debtor and creditor Fees Interest rates Law Liability (Law) Personal loans

Federal Payday Loan Consumer Protection Amendments of 2000

Introduced: March 2, 2000 See on congress.gov
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This bill died when the 106th Congress ended
It never became law before the 106th Congress (1999–2000) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 4 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Mar 13, 2000
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Mar 2, 2000
Referred to the House Committee on Banking and Financial Services.
Mar 2, 2000
Sponsor introductory remarks on measure. (CR E222-223)
Mar 2, 2000
Introduced in House
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 Plain-English summary Congressional Research Service
Federal Payday Loan Consumer Protection Amendments of 2000 - Amends the Federal Deposit Insurance Act to prohibit an insured depository institution from making: (1) payday loans; and (2) any loan to any lender in order to either finance, refinance or extend a payday loan.

Amends the Consumer Credit Protection Act to redefine credit to include any payday loan.

Amends the Truth in Lending Act to prohibit a creditor from making a payday loan if the creditor has reasonable cause to believe that: (1) the personal check or share draft received in exchange for such loan is drawn upon either an insured depository institution or insured credit union; or (2) the account debited in exchange for such loan is a transaction or share draft account at an insured depository institution or an insured credit union.

Sets forth civil liabilities for violations of this Act.

What's happening now March 13, 2000

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 3
All 3 Democratic 2 Independent 1
D
Meeks, Gregory W.
New York · Mar 2, 2000
 I
Sanders, Bernard
Vermont · Mar 2, 2000
 D
Schakowsky, Janice D.
Illinois · Mar 2, 2000
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3823: Federal Payday Loan Consumer Protection Amendments of 2000. 106th Congress. Open America. https://openamerica.io/bill/106-HR-3823/
MLA
"H.R. 3823: Federal Payday Loan Consumer Protection Amendments of 2000." 106th Congress, 2026, Open America, https://openamerica.io/bill/106-HR-3823/.
Bluebook (legal)
H.R. 3823, 106th Cong. (2026), https://openamerica.io/bill/106-HR-3823/.
Markdown link
[H.R. 3823: Federal Payday Loan Consumer Protection Amendments of 2000](https://openamerica.io/bill/106-HR-3823/)
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