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HR 1846 111th Congress House

C.L.E.A.R. Act

Official title: To amend the Truth in Lending Act to establish additional payday loan disclosure requirements and preempt certain State laws, and for other purposes.

Introduced: April 1, 2009 See on congress.gov
Finance and Financial Sector Consumer affairsContracts and agencyCredit and credit marketsInterest, dividends, interest ratesUser charges and fees
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This bill died when the 111th Congress ended
It never became law before the 111th Congress (2009–2010) 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 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Apr 1, 2009
Referred to the House Committee on Financial Services.
Apr 1, 2009
Introduced in House
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 Latest action April 1, 2009

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Consumer Lending Education And Reform Act or the C.L.E.A.R. Act - Amends the Truth in Lending Act to limit the interest, fees and charges that a payday lender may require a consumer to pay with respect to an original payday loan and a refinanced payday loan.

Prohibits a payday lender from: (1) requiring a consumer to pay an origination fee for a payday loan that is refinanced; or (2) making or refinancing a payday loan unless the creditor has first provided the consumer with a copy of a written loan agreement, signed by the creditor and by the consumer, which includes specified information in English and in the language in which the loan was negotiated.

Requires a payday lender to file a surety bond.

Prohibits a payday lender from making or refinancing a payday loan unless the terms of the loan require the creditor, upon receiving notice of consumer's inability to repay, to provide the consumer with notice of and the right to opt into an extended payment plan, without charge, one time in any 12-month period.

Prohibits a creditor from engaging in any collection activity (or procuring the services of any other for such purpose) during the term of any extended payment plan.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 4
All 4 Democratic 2
Teague, Harry
· Sep 16, 2009
 D
Johnson, Henry C. "Hank"
Georgia · Jul 9, 2009
 D
Cuellar, Henry
Texas · Jun 25, 2009
Minnick, Walter
· Apr 2, 2009
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 1846: C.L.E.A.R. Act. 111th Congress. Open America. https://openamerica.io/bill/111-HR-1846/
MLA
"H.R. 1846: C.L.E.A.R. Act." 111th Congress, 2026, Open America, https://openamerica.io/bill/111-HR-1846/.
Bluebook (legal)
H.R. 1846, 111th Cong. (2026), https://openamerica.io/bill/111-HR-1846/.
Markdown link
[H.R. 1846: C.L.E.A.R. Act](https://openamerica.io/bill/111-HR-1846/)
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