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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.

Introduced: September 11, 2025 Introduced by: Richard J. Durbin Democratic · Illinois See on congress.gov
 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 September 11, 2025

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (text: CR S6577)

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Lobbying activity 12

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

Bodies those filers lobbied

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APA
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/
MLA
"S. 2781: Protecting Consumers from Unreasonable Credit Rates Act of 2025." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-S-2781/.
Bluebook (legal)
S. 2781, 119th Cong. (2026), https://openamerica.io/bill/119-S-2781/.
Markdown link
[S. 2781: Protecting Consumers from Unreasonable Credit Rates Act of 2025](https://openamerica.io/bill/119-S-2781/)
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