S. 3889
119th Congress
Senate
American Lending Fairness Act of 2026
Official title: A bill 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 … Show full official titleShow less
Official title: A bill 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.
Everywhere this bill has been
2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Feb 12, 2026
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Feb 12, 2026
Introduced in Senate
Ask about this bill
Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.
What's happening now
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Related & companion bills
1
Bill text
1 version
- Introduced in Senate Formatted Text PDF Formatted XML
Committees of jurisdiction
1
Lobbying activity
17
- CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
- AMERICAN BANKERS ASSOCIATION
- AMERICAN FINTECH COUNCIL
- INVARIANT LLC
- ERIS GROUP
- CGCN GROUP, LLC
Bodies those filers lobbied
- HOUSE OF REPRESENTATIVES
- SENATE
- Treasury, Dept of
- Federal Reserve System
- Federal Deposit Insurance Corporation (FDIC)
- Consumer Financial Protection Bureau (CFPB)
- Defense, Dept of (DOD)
- Housing & Urban Development, Dept of (HUD)
Cite this page
U.S. Congress. (2026). S. 3889: American Lending Fairness Act of 2026. 119th Congress. Open America. https://openamerica.io/bill/119-S-3889/
"S. 3889: American Lending Fairness Act of 2026." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-S-3889/.
S. 3889, 119th Cong. (2026), https://openamerica.io/bill/119-S-3889/.
[S. 3889: American Lending Fairness Act of 2026](https://openamerica.io/bill/119-S-3889/)