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S. 2760 118th Congress Senate

Capping Credit Card Interest Rates Act

Official title: A bill to amend the Truth in Lending Act to cap credit card interest rates.

Introduced: September 11, 2023 Introduced by: Josh Hawley Republican · Missouri See on congress.gov
Finance and Financial Sector
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This bill died when the 118th Congress ended
It never became law before the 118th Congress (2023–2024) 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 11, 2023
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Sep 11, 2023
Introduced in Senate
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 Latest action September 11, 2023

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

 Plain-English summary Congressional Research Service

Capping Credit Card Interest Rates Act

This bill caps credit card interest rates at 18%, including all finance charges. Additional charges may not be imposed to evade this limitation. Creditors who violate this bill are subject to civil liability.  

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Lobbying activity 27

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

  • HARBINGER STRATEGIES, LLC
    for CAPITAL ONE FINANCIAL CORPORATION · Virginia · 3rd Quarter 2026 (July 1 - Sep 30)
  • HARBINGER STRATEGIES, LLC
    for AMERICAN BANKERS ASSOCIATION'S CARD POLICY COUNCIL · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
  • HARBINGER STRATEGIES, LLC
    for AMERICAN BANKERS ASSOCIATION · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
  • CGCN GROUP, LLC
    for BANK POLICY INSTITUTE (FKA THE FINANCIAL SERVICES ROUNDTABLE) · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
  • BANK POLICY INSTITUTE
    for BANK POLICY INSTITUTE · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
  • HARBINGER STRATEGIES, LLC
    for CAPITAL ONE FINANCIAL CORPORATION · Virginia · 2nd Quarter 2026 (Apr 1 - June 30)

Bodies those filers lobbied

A filing lists the bills it worked on and the parts of government it contacted in separate sections, so these are the bodies those filers named anywhere in the filing, not a per-bill breakdown.

See all 27 filings →
Cite this page click to expand
APA
U.S. Congress. (2026). S. 2760: Capping Credit Card Interest Rates Act. 118th Congress. Open America. https://openamerica.io/bill/118-S-2760/
MLA
"S. 2760: Capping Credit Card Interest Rates Act." 118th Congress, 2026, Open America, https://openamerica.io/bill/118-S-2760/.
Bluebook (legal)
S. 2760, 118th Cong. (2026), https://openamerica.io/bill/118-S-2760/.
Markdown link
[S. 2760: Capping Credit Card Interest Rates Act](https://openamerica.io/bill/118-S-2760/)
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