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S 187 113th Congress Senate Finance and Financial Sector Civil actions and liability Consumer credit Fraud offenses and financial crimes

Deceptive Loan Check Elimination Act

Introduced: January 30, 2013 Introduced by: Merkley, Jeff Democratic · Oregon See on congress.gov
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This bill died when the 113th Congress ended
It never became law before the 113th Congress (2013–2014) 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
Jan 30, 2013
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Jan 30, 2013
Introduced in Senate
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 Plain-English summary Congressional Research Service

Deceptive Loan Check Elimination Act - Amends the Truth in Lending Act (TILA) to prohibit a person from extending any consumer credit through the use by the consumer of a check or other negotiable instrument sent by the creditor to solicit an extension of consumer credit, unless the consumer has requested it in writing.

States that a nonnegotiable instrument that has the appearance of a negotiable instrument in connection with a solicitation for an extension of credit is not an application or request for purposes of this Act.

Shields a consumer from liability for: (1) the principal amount of a negotiable instrument sent in violation of this Act; or (2) any interest, fee, or penalty charged in connection with such negotiable instrument.

Prohibits any information relating to the liability of a consumer alleged by a creditor to have been established through a negotiable instrument sent in violation of this Act from being either reported to or received by any consumer reporting agency, or from being included in any consumer report.

What's happening now January 30, 2013

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 1
All 1 Democratic 1
D
Whitehouse, Sheldon
Rhode Island · Jan 30, 2013
Cite this page click to expand
APA
U.S. Congress. (2026). S. 187: Deceptive Loan Check Elimination Act. 113th Congress. Open America. https://openamerica.io/bill/113-S-187/
MLA
"S. 187: Deceptive Loan Check Elimination Act." 113th Congress, 2026, Open America, https://openamerica.io/bill/113-S-187/.
Bluebook (legal)
S. 187, 113th Cong. (2026), https://openamerica.io/bill/113-S-187/.
Markdown link
[S. 187: Deceptive Loan Check Elimination Act](https://openamerica.io/bill/113-S-187/)
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