S. 3721
119th Congress
Senate
Empowering States' Rights To Protect Consumers Act of 2026
Official title: A bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, and for other purposes.
Everywhere this bill has been
2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jan 29, 2026
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Jan 29, 2026
Introduced in Senate
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What's happening now
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Bill text
1 version
- Introduced in Senate Formatted Text PDF Formatted XML
Committees of jurisdiction
1
Lobbying activity
12
- CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
- JPMORGAN CHASE HOLDINGS LLC
- AMERICAN FINTECH COUNCIL
- AMERICANS FOR FINANCIAL REFORM
- AMERICANS FOR FINANCIAL REFORM
- CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
Bodies those filers lobbied
- HOUSE OF REPRESENTATIVES
- SENATE
- Treasury, Dept of
- Defense, Dept of (DOD)
- Federal Deposit Insurance Corporation (FDIC)
- Consumer Financial Protection Bureau (CFPB)
- Office of the Comptroller of the Currency (OCC)
- Executive Office of the President (EOP)
Cosponsors
3
Cite this page
U.S. Congress. (2026). S. 3721: Empowering States' Rights To Protect Consumers Act of 2026. 119th Congress. Open America. https://openamerica.io/bill/119-S-3721/
"S. 3721: Empowering States' Rights To Protect Consumers Act of 2026." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-S-3721/.
S. 3721, 119th Cong. (2026), https://openamerica.io/bill/119-S-3721/.
[S. 3721: Empowering States' Rights To Protect Consumers Act of 2026](https://openamerica.io/bill/119-S-3721/)