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H.R. 7866 119th Congress House

American Lending Fairness Act of 2026

Official title: To restore and clarify the intent of the Federal interest rate exportation parity for State-chartered banks by allowing States to opt out of preemption only wi… Show full official titleShow less

Official title: To restore and clarify the intent of the Federal interest rate exportation parity for State-chartered banks by allowing States to opt out of preemption only with respect to loans made by their own chartered institutions, and for other purposes.

Introduced: September 8, 2026 Introduced by: Warren Davidson Republican · Ohio See on congress.gov
Finance and Financial Sector Financial services and investmentsInterest, dividends, interest ratesState and local government operations
 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Mar 9, 2026
Referred to the House Committee on Financial Services.
Mar 9, 2026
Introduced in House
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What's happening now March 9, 2026

Referred to the House Committee on Financial Services.

 Hearings & markups 2
 Related & companion bills 1
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Lobbying activity 21

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

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APA
U.S. Congress. (2026). H.R. 7866: American Lending Fairness Act of 2026. 119th Congress. Open America. https://openamerica.io/bill/119-HR-7866/
MLA
"H.R. 7866: American Lending Fairness Act of 2026." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-7866/.
Bluebook (legal)
H.R. 7866, 119th Cong. (2026), https://openamerica.io/bill/119-HR-7866/.
Markdown link
[H.R. 7866: American Lending Fairness Act of 2026](https://openamerica.io/bill/119-HR-7866/)
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