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S 4072 117th Congress Senate Finance and Financial Sector

Empowering States' Rights To Protect Consumers Act of 2022

Introduced: April 7, 2022 Introduced by: Whitehouse, Sheldon Democratic · Rhode Island See on congress.gov
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This bill died when the 117th Congress ended
It never became law before the 117th Congress (2021–2022) 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 7, 2022
Introduced in Senate
Apr 7, 2022
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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 Plain-English summary Congressional Research Service

Empowering States' Rights To Protect Consumers Act of 2022

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.

What's happening now April 7, 2022

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 · Apr 7, 2022
 D
Reed, Jack
Rhode Island · Apr 7, 2022
 I
Sanders, Bernard
Vermont · Apr 7, 2022
 D
Warren, Elizabeth
Massachusetts · Apr 7, 2022
Cite this page click to expand
APA
U.S. Congress. (2026). S. 4072: Empowering States' Rights To Protect Consumers Act of 2022. 117th Congress. Open America. https://openamerica.io/bill/117-S-4072/
MLA
"S. 4072: Empowering States' Rights To Protect Consumers Act of 2022." 117th Congress, 2026, Open America, https://openamerica.io/bill/117-S-4072/.
Bluebook (legal)
S. 4072, 117th Cong. (2026), https://openamerica.io/bill/117-S-4072/.
Markdown link
[S. 4072: Empowering States' Rights To Protect Consumers Act of 2022](https://openamerica.io/bill/117-S-4072/)
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