S. 2781
119th Congress
Senate
Protecting Consumers from Unreasonable Credit Rates Act of 2025
Official title: A bill to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions.
Everywhere this bill has been
2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Sep 11, 2025
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (text: CR S6577)
Sep 11, 2025
Introduced in Senate
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What's happening now
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (text: CR S6577)
Bill text
1 version
- Introduced in Senate Formatted Text PDF Formatted XML
Committees of jurisdiction
1
Lobbying activity
12
- JPMORGAN CHASE HOLDINGS LLC
- CAPCITY ADVOCATES, LLC
- JPMORGAN CHASE HOLDINGS LLC
- CAPCITY ADVOCATES, LLC
- CAPCITY ADVOCATES, LLC
- JPMORGAN CHASE HOLDINGS LLC
Bodies those filers lobbied
- HOUSE OF REPRESENTATIVES
- SENATE
- Treasury, Dept of
- Natl Economic Council (NEC)
- Consumer Financial Protection Bureau (CFPB)
- Defense, Dept of (DOD)
- Executive Office of the President (EOP)
- Natl Security Council (NSC)
Cosponsors
2
Cite this page
U.S. Congress. (2026). S. 2781: Protecting Consumers from Unreasonable Credit Rates Act of 2025. 119th Congress. Open America. https://openamerica.io/bill/119-S-2781/
"S. 2781: Protecting Consumers from Unreasonable Credit Rates Act of 2025." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-S-2781/.
S. 2781, 119th Cong. (2026), https://openamerica.io/bill/119-S-2781/.
[S. 2781: Protecting Consumers from Unreasonable Credit Rates Act of 2025](https://openamerica.io/bill/119-S-2781/)