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Buy Now, Pay Later Protection Act of 2025
Legislative Progress
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 · Banking
H.R. 7866 - American Lending Fairness Act of 2026, concerning state authority to apply interest-rate limits to loans by out-of-state state-chartered banks. H.R. 10184 - Consumer Financial Protection Accountability and Reform Act of 2026, opposing limits on Consumer Financial Protection Bureau funding, supervision, enforcement, restitution, and state enforcement. Congressional oversight of Consumer Financial Protection Bureau operations, structure, funding, authorities, supervision, enforcement, restitution, and leadership. Bank acquisition applications of high-cost consumer lenders (OppFi, Enova), including the use of bank charters to avoid state interest-rate limits. Community Reinvestment Act proposed rule issued by the OCC and FDIC, concerning bank obligations to low- and moderate-income communities and anti-redlining protections. FDIC proposed rule on state bank parity and Riegle-Neal preemption, concerning state consumer lending protections and H.R. 7866. H.R. 9330 - opposing the Earned Wage Access Consumer Protection Act, concerning the preemption of state payday lending laws, the Military Lending Act, and the Equal Credit Opportunity Act. H.R. 6955 - financial services deregulation legislation, concerning rollbacks of consumer protection and bank regulatory authority, including the Consumer Financial Protection Bureau and Community Reinvestment Act. H.R. 941 - opposing the Small Lenders Exempt from New Data and Excessive Reporting (LENDER) Act, concerning small business lending data collection under Section 1071 of the Dodd-Frank Act. S. 3889 - American Lending Fairness Act and S. 3793 - Predatory Lending Elimination Act, concerning state interest-rate limits and a 36% cap on consumer loans. H.R. 8395 - PACE Act, concerning fintech company access to Federal Reserve payment systems. H.R. 6552 - Bank-Fintech Partnership Enhancement Act, concerning partnerships between banks and fintech companies. S. 3721 - Empowering States' Rights to Protect Consumers Act, concerning state authority over consumer financial services. S. 3561 - Buy Now, Pay Later Protection Act, concerning Truth in Lending Act protections for buy now, pay later products. Digital asset, cryptocurrency, and stablecoin legislation and regulation, including H.R. 3633, the Digital Asset Market Clarity Act (CLARITY Act). Legislation and appropriations concerning funding for the Consumer Financial Protection Bureau. Nomination of the Director of the Consumer Financial Protection Bureau.
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Sponsor introductory remarks on measure: CR S8923)
Introduced in Senate
Bills with similar content found using semantic analysis.
Sources: Congress.gov
Client expense: $70,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of
2026 · second_quarter · Banking
H.R. 9330 - opposing the Earned Wage Access Consumer Protection Act, concerning the preemption of state payday lending laws, the Military Lending Act, and the Equal Credit Opportunity Act. H.R. 6955 - financial services deregulation legislation, concerning rollbacks of consumer protection and bank regulatory authority, including provisions affecting the Consumer Financial Protection Bureau and the Community Reinvestment Act. H.R. 941 - opposing the small Lenders Exempt from New Data and Excessive Reporting (LENDER) Act, concerning small business lending data collection under Section 1071 of the Dodd-Frank Act. S. 3793 - Predatory Lending Elimination Act and S. 3889 - American Lending Fairness Act, concerning the acquisition of banks by high-cost consumer lenders. Industrial bank and bank charter applications of high-cost consumer lenders (Enova, OppFi), including comments to the Federal Reserve. H.R. 8395 - PACE Act, concerning fintech company access to Federal Reserve payment systems. H.R. 6552 - Bank-Fintech Partnership Enhancement Act, concerning partnerships between banks and fintech companies. S. 3721 - Empowering States' Rights to Protect Consumers Act, concerning state authority over consumer financial services. S. 3561 - Buy Now, Pay Later Protection Act, concerning Truth in Lending Act protections for buy now, pay later products. Proposed amendments to the Gramm-Leach-Bliley Act concerning preemption of state consumer financial protection laws. Digital assets, cryptocurrency, and stablecoin legislation and regulation, including comments to the OCC, congressional testimony on digital assets, and tax provisions affecting the cryptocurrency industry in budget reconciliation legislation. Legislation and appropriations concerning funding for the Consumer Financial Protection Bureau. Oversight of Consumer Financial Protection Bureau operations, including the removal of public consumer and student loan data and information from the agency's website, and staffing actions affecting supervision and enforcement. CFPB 2026-2030 Draft Strategic Plan; nomination of the Director of the Consumer Financial Protection Bureau; nomination for Chair of the Federal Reserve System.
Client expense: $90,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of
2025 · fourth_quarter · Consumer Issues/Safety/Products
S 3243 Ending Forced Arbitration of Racial Discrimination Act credit card late fees HR 6891 Buy Now, Pay Later Protection Act S.3561 Buy Now, Pay Later Protection Act S 381 10 Percent Credit Card Interest Rate Cap Act Consumer financial protection
Client expense: $150,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2025 · third_quarter · Housing
H.R. 702, the HOME Act S.3561, a bill to protect consumers from price gouging of residential rental and sale prices H.R. 6608/S. 3402, the End Hedge Fund Control of American Homes Act S. 2224, the Stop Predatory Investing Act Issues related to housing, housing finance and the home closing process. Issues related to the regulation of title insurance. Issues related to the capital markets, housing and housing finance. Issues related to how credit scores are used in housing and other kinds of lending. Issues related to single-family rental housing.
Client expense: Not reported · Firm income: $50,000
Government targets: HOUSE OF REPRESENTATIVES, SENATE
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| CT |