Consumer credit code; Consumer Credit Code Reform Act of 2025; effective date.

HB 2354 is a procedural bill that creates the name "Consumer Credit Code Reform Act of 2025" for future legislation and sets its effective date as November 1, 2025. It does not change existing consumer credit laws or affect any individuals or businesses. The bill solely establishes the name and effective date for a future, yet-to-be-drafted law. This is a naming and timing measure, not a substantive policy change.