Skip to main content
S. 1006 116th Congress Senate

Empowering States' Rights To Protect Consumers Act of 2019

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: April 3, 2019 Introduced by: Sheldon Whitehouse Democratic · Rhode Island See on congress.gov
Finance and Financial Sector Consumer creditInterest, dividends, interest rates
Sign in to write a letter Sign in to watch
This bill died when the 116th Congress ended
It never became law before the 116th Congress (2019–2020) 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 3, 2019
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Apr 3, 2019
Introduced in Senate
 Ask about this bill AI · grounded in the bill text

Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.

AI answers can be imperfect; always confirm against the full bill text.

 Latest action April 3, 2019

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

 Plain-English summary Congressional Research Service

Empowering States' Rights To Protect Consumers Act of 2019

This bill limits 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
I
Sanders, Bernard
Vermont · May 7, 2019
 D
Merkley, Jeff
Oregon · Apr 3, 2019
 D
Reed, Jack
Rhode Island · Apr 3, 2019
 D
Warren, Elizabeth
Massachusetts · Apr 3, 2019
Cite this page click to expand
APA
U.S. Congress. (2026). S. 1006: Empowering States' Rights To Protect Consumers Act of 2019. 116th Congress. Open America. https://openamerica.io/bill/116-S-1006/
MLA
"S. 1006: Empowering States' Rights To Protect Consumers Act of 2019." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-S-1006/.
Bluebook (legal)
S. 1006, 116th Cong. (2026), https://openamerica.io/bill/116-S-1006/.
Markdown link
[S. 1006: Empowering States' Rights To Protect Consumers Act of 2019](https://openamerica.io/bill/116-S-1006/)
Report a problem