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S 1858 115th Congress Senate

Empowering States' Rights To Protect Consumers Act of 2017

Official title: 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.

Introduced: September 26, 2017 Introduced by: Whitehouse, Sheldon Democratic · Rhode Island See on congress.gov
Finance and Financial Sector Consumer creditInterest, dividends, interest rates
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This bill died when the 115th Congress ended
It never became law before the 115th Congress (2017–2018) 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 26, 2017
Read twice and referred to the Committee on Finance.
Sep 26, 2017
Introduced in Senate
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 Latest action September 26, 2017

Read twice and referred to the Committee on Finance.

 Plain-English summary Congressional Research Service

Empowering States' Rights To Protect Consumers Act of 2017

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.

 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 26, 2017
 D
Reed, Jack
Rhode Island · Sep 26, 2017
 I
Sanders, Bernard
Vermont · Sep 26, 2017
 D
Warren, Elizabeth
Massachusetts · Sep 26, 2017
Cite this page click to expand
APA
U.S. Congress. (2026). S. 1858: Empowering States' Rights To Protect Consumers Act of 2017. 115th Congress. Open America. https://openamerica.io/bill/115-S-1858/
MLA
"S. 1858: Empowering States' Rights To Protect Consumers Act of 2017." 115th Congress, 2026, Open America, https://openamerica.io/bill/115-S-1858/.
Bluebook (legal)
S. 1858, 115th Cong. (2026), https://openamerica.io/bill/115-S-1858/.
Markdown link
[S. 1858: Empowering States' Rights To Protect Consumers Act of 2017](https://openamerica.io/bill/115-S-1858/)
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