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S 3321 114th Congress Senate Finance and Financial Sector Consumer credit Interest, dividends, interest rates

Empowering States' Rights To Protect Consumers Act of 2016

Introduced: September 14, 2016 Introduced by: Whitehouse, Sheldon Democratic · Rhode Island See on congress.gov
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This bill died when the 114th Congress ended
It never became law before the 114th Congress (2015–2016) 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
Sep 14, 2016
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Sep 14, 2016
Introduced in Senate
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 Plain-English summary Congressional Research Service

Empowering States' Rights To Protect Consumers Act of 2016

This bill amends the Truth In Lending Act to limit the annual percentage rate applicable to any consumer credit transaction (other than a residential mortgage transaction), including any associated fees, to the maximum rate permitted by the laws of the state in which the consumer resides.

What's happening now September 14, 2016

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 4
All 4 Democratic 3 Independent 1
D
Merkley, Jeff
Oregon · Sep 14, 2016
 D
Reed, Jack
Rhode Island · Sep 14, 2016
 I
Sanders, Bernard
Vermont · Sep 14, 2016
 D
Warren, Elizabeth
Massachusetts · Sep 14, 2016
Cite this page click to expand
APA
U.S. Congress. (2026). S. 3321: Empowering States' Rights To Protect Consumers Act of 2016. 114th Congress. Open America. https://openamerica.io/bill/114-S-3321/
MLA
"S. 3321: Empowering States' Rights To Protect Consumers Act of 2016." 114th Congress, 2026, Open America, https://openamerica.io/bill/114-S-3321/.
Bluebook (legal)
S. 3321, 114th Cong. (2026), https://openamerica.io/bill/114-S-3321/.
Markdown link
[S. 3321: Empowering States' Rights To Protect Consumers Act of 2016](https://openamerica.io/bill/114-S-3321/)
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