American Lending Fairness Act of 2026
This bill, the "American Lending Fairness Act of 2026," makes changes to federal laws governing interest rates charged by financial institutions, primarily impacting how state-chartered banks and credit unions operate across state lines. It repeals a current federal law (Section 525 of the Depository Institutions Deregulation and Monetary Control Act of 1980) that has allowed states
Bill status
in committee
1 of 4 stages cleared
Introduction
Mar 2026
Committee Review
Floor Vote
President
Introduced Mar 9, 2026
Last action Mar 9, 2026
Floor votes
How they voted
No floor votes recorded yet.
Full legislative history
Actions timeline
Total actions
2
Key actions
0
Committee
1
Mar 9, 2026
Committee
Referred to the House Committee on Financial Services.
lower
Mar 9, 2026
Introduced
Introduced in House
lower
1 primary · 7 co-sponsors
Sponsors
Ask Maddy
·
AI policy assistant
Ask Maddy about HR 7866
Scope: US
Hi! I can help you understand HR 7866. What would you like to know?
Try one of these
i
Maddy answers using official bill text and legislative records. Always verify before sharing.
Sources cited inline