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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.

Introduced: February 12, 2026 Introduced by: Bernie Moreno Republican · Ohio See on congress.gov
 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
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What's happening now February 12, 2026

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

 Related & companion bills 1
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Lobbying activity 17

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

Bodies those filers lobbied

A filing lists the bills it worked on and the parts of government it contacted in separate sections, so these are the bodies those filers named anywhere in the filing, not a per-bill breakdown.

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APA
U.S. Congress. (2026). S. 3889: American Lending Fairness Act of 2026. 119th Congress. Open America. https://openamerica.io/bill/119-S-3889/
MLA
"S. 3889: American Lending Fairness Act of 2026." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-S-3889/.
Bluebook (legal)
S. 3889, 119th Cong. (2026), https://openamerica.io/bill/119-S-3889/.
Markdown link
[S. 3889: American Lending Fairness Act of 2026](https://openamerica.io/bill/119-S-3889/)
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