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Protecting Consumers from Unreasonable Credit Rates Act of 2025
Legislative Progress
Introduced
September 11, 2025
Latest Action
September 11, 2025
Primary Sponsor
Richard J. DurbinDemocratic(IL)
Momentum (last 30 days)
0
score
0 actions · 0 new cosponsors · 0 votes
Speed vs cohort
0pct
0d open
vs 5,674 other S bills in the 119th — cohort avg 32d
No CRS summary is available for this bill yet. The source title, actions, sponsors, and text versions below come from Congress.gov.
These links require the bill number to appear in the filing's source-reported specific issue text. Client expenses and lobbying-firm income are separate disclosure fields.
Filing registrants (3)
2026 · third_quarter · Consumer Issues/Safety/Products
S. 381, H.R. 1944, S. 2781, S. 3623, H.R. 7035, S. 4244, S. 3793, S. 3721, S. 3660, H.R. 7548, S. 3774 - Discussed consumer protection, fraud and scam prevention, digital identification, credit reporting, and privacy issues related to financial services and products. Discussed issues related to credit and debit card services.
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (text: CR S6577)
Introduced in Senate
Bills with similar content found using semantic analysis.
Sources: Congress.gov
Client expense: $1,460,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE
2026 · third_quarter · Financial Institutions/Investments/Securities
All legislation related to consumer lending regulation and consumer lending policy. Issues related to de-risking. S. 875, The Financial Integrity and Regulation Management Act. H.R. 2702, The Financial Integrity and Regulation Management Act. S. 2781,The Protecting Consumers from Unreasonable Credit Rates Act. S. 2326, The Payment Choice Act of 2025. H.R. 1138, The Payment Choice Act of 2025. S. 3793, The Predatory Lending Elimination Act.
Client expense: Not reported · Firm income: $70,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2026 · second_quarter · Consumer Issues/Safety/Products
S. 381, H.R. 1944, S. 2781, S. 3623, H.R. 7035, S. 4244, S. 3793, S. 3721, S. 3660, H.R. 7548, S. 3774 - Discussed consumer protection, fraud and scam prevention, digital identification, credit reporting, and privacy issues related to financial services and products. Discussed issues related to credit and debit card services.
Client expense: $1,190,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2026 · second_quarter · Financial Institutions/Investments/Securities
All legislation related to consumer lending regulation and consumer lending policy. Issues related to de-risking. S. 875, The Financial Integrity and Regulation Management Act. H.R. 2702, The Financial Integrity and Regulation Management Act. S. 2781,The Protecting Consumers from Unreasonable Credit Rates Act. S. 2326, The Payment Choice Act of 2025. H.R. 1138, The Payment Choice Act of 2025. S. 3793, The Predatory Lending Elimination Act.
Client expense: Not reported · Firm income: $70,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2026 · first_quarter · Financial Institutions/Investments/Securities
All legislation related to consumer lending regulation and consumer lending policy. Issues related to APR caps and de-risking. S. 875, The Financial Integrity and Regulation Management Act. H.R. 2702, The Financial Integrity and Regulation Management Act. S. 2781,The Protecting Consumers from Unreasonable Credit Rates Act. S. 2326, The Payment Choice Act of 2025. H.R. 1138, The Payment Choice Act of 2025. S. 3793, The Predatory Lending Elimination Act
Client expense: Not reported · Firm income: $70,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2026 · first_quarter · Consumer Issues/Safety/Products
S. 381, H.R. 1944, S. 2781, S. 3623, H.R. 7035, S. 4244, S. 3793, S. 3721, S. 3660 - Discussed consumer protection, digital identification, credit reporting, and privacy issues related to financial services and products. Discussed issues related to credit and debit card services.
Client expense: $1,210,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE
2025 · third_quarter · Financial Institutions/Investments/Securities
H.R. 4437 - Supervisory Modifications for Appropriate Risk-Based Testing (SMART) Act of 2025: Provisions regarding tailored supervision. H.R. 4478 - Tailored Regulatory Updates for Supervisory Testing (TRUST) Act of 2025: Provisions regarding examination cycles. H.R. 4801 / S. 2528 - Unleashing AI Innovation in Financial Services Act: Provisions related to AI innovation centers. H.R. 5317 - Community Bank Deposit Access Act of 2025: Provisions regarding custodial deposits. H.R. 5402 / S. 1465 - Credit Access and Inclusion Act of 2025: Supporting a specific amendment to include enabling financial institutions to furnish data. S. 2781 - Protecting Consumers from Unreasonable Credit Rates Act: Provisions regarding earned wage access. Discussions regarding the proposed reintroduction of the Earned Wage Access Consumer Protection Act.
Client expense: $60,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · fourth_quarter · Financial Institutions/Investments/Securities
All legislation related to consumer lending regulation and consumer lending policy. Issues related to APR caps and de-risking. S. 875, The Financial Integrity and Regulation Management Act. H.R. 2702, The Financial Integrity and Regulation Management Act. S. 2781,Protecting Consumers from Unreasonable Credit Rates Act. S. 2326,Payment Choice Act of 2025. H.R. 1138,Payment Choice Act of 2025.
Client expense: Not reported · Firm income: $70,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · fourth_quarter · Consumer Issues/Safety/Products
S.381, H.R. 1944, S.2781 - Discussed consumer protection, digital identification, credit reporting, and privacy issues related to financial services and products. Discussed issues related to credit and debit card services.
Client expense: $1,120,000 · Firm income: Not reported
2025 · third_quarter · Financial Institutions/Investments/Securities
All legislation related to consumer lending regulation and consumer lending policy. Issues related to APR caps and de-risking. S. 875, The Financial Integrity and Regulation Management Act. H.R. 2702, The Financial Integrity and Regulation Management Act. S. 2781,Protecting Consumers from Unreasonable Credit Rates Act. S. 2326,Payment Choice Act of 2025. H.R. 1138,Payment Choice Act of 2025.
Client expense: Not reported · Firm income: $70,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · third_quarter · Consumer Issues/Safety/Products
S.381, H.R. 1944, S.2781 - Discussed consumer protection, digital identification, credit reporting, and privacy issues related to financial services and products. Discussed issues related to credit and debit card services.
Client expense: $1,140,000 · Firm income: Not reported
2025 · third_quarter · Financial Institutions/Investments/Securities
H.R. 4437 - Supervisory Modifications for Appropriate Risk-Based Testing (SMART) Act of 2025: Provisions regarding tailored supervision. H.R. 4478 - Tailored Regulatory Updates for Supervisory Testing (TRUST) Act of 2025: Provisions regarding examination cycles. H.R. 4801 / S. 2528 - Unleashing AI Innovation in Financial Services Act: Provisions related to AI innovation centers. H.R. 5317 - Community Bank Deposit Access Act of 2025: Provisions regarding custodial deposits. H.R. 5402 / S. 1465 - Credit Access and Inclusion Act of 2025: Supporting a specific amendment to include enabling financial institutions to furnish data. S. 2781 - Protecting Consumers from Unreasonable Credit Rates Act: Provisions regarding earned wage access. Discussions regarding the proposed reintroduction of the Earned Wage Access Consumer Protection Act.
Client expense: $40,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
Government targets: HOUSE OF REPRESENTATIVES, SENATE
Government targets: HOUSE OF REPRESENTATIVES, SENATE