Relating to increasing the interest rate of certain consumer loans.

HB 4339 would reduce maximum interest rates for unsecured consumer loans in Texas. It lowers the annual rate caps from 36% (for loans ≤$500), 30% (for $500-$1,050), and 24% (for $1,050-$2,500) to 30%, 24%, and 18% respectively. The bill applies only to new loans made on or after September 1, 2025, leaving existing loans governed by prior law. This directly affects borrowers of small unsecured personal loans and lenders offering such credit.