Loading…
Predatory Lending Elimination Act
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 (4)
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 S511-512)
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 · 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.
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. 3793 Predatory Lending Elimination Act HR 7478 Patient Debt Relief Act S.4056 Proprietary Education Oversight Task Force Act. S. 3721 Empowering States' Rights to Protect Consumers Act Auto lending protections under the Military Lending Act Rent-to-own lending to servicemembers Preventing abuse of the military allotment system Consumer financial protection Payday Lending and 36% rate cap Earned Wage Access Rent-a-Bank Payday Loans rate caps
Client expense: $100,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2026 · first_quarter · Consumer Issues/Safety/Products
S. 3793 Predatory Lending Elimination Act HR 7478 Patient Debt Relief Act S.4056 Proprietary Education Oversight Task Force Act. S. 3721 Empowering States' Rights to Protect Consumers Act Auto lending protections under the Military Lending Act Rent-to-own lending to servicemembers Preventing abuse of the military allotment system Consumer financial protection Payday Lending and 36% rate cap Earned Wage Access Rent-a-Bank Payday Loans rate caps
Client expense: $120,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
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
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
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 · Consumer Issues/Safety/Products
S. 3793 Predatory Lending Elimination Act HR 7478 Patient Debt Relief Act S.4056 Proprietary Education Oversight Task Force Act. S. 3721 Empowering States' Rights to Protect Consumers Act Auto lending protections under the Military Lending Act Rent-to-own lending to servicemembers Preventing abuse of the military allotment system Consumer financial protection Payday Lending and 36% rate cap Earned Wage Access Rent-a-Bank Payday Loans rate caps
Client expense: $150,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2026 · first_quarter · Banking
CFPB authority and functions, related to structure and supervision, research and enforcement priorities; Supervision and enforcement of unregulated "fintech" products and non-brank lenders; Treatment of personal financial information under Sec. 1033 of Dodd Frank Act; Concerns over FHFA Proposal for 50 year mortgage Government Sponsored Enterprises (GSE's) and the secondary housing finance market H.R. ___, Opposing legislation by Rep. Steil that would expand payday lending through mobile applications; H.Res. 1007, Support a resolution on Expressing the sense of the House of Representatives with respect to the use of artificial intelligence in the financial services and housing industries S.3538/H.R. 5912 - Support the Close the Shadow Banking Loophole Act S. 3721, Support the Empowering States' Rights To Protect Consumers Act of 2026 S. 3793, Support the Predatory Lending Elimination Act H.R. 7056, Oppose the Community Bank Regulatory Tailoring Act
Client expense: $170,000 · Firm income: Not reported
Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of
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
| Democratic |
| MD |
| Cory A. Booker | Democratic | NJ |
| Jeff Merkley | Democratic | OR |
| John Fetterman | Democratic | PA |
| Martin Heinrich | Democratic | NM |
| Peter Welch | Democratic | VT |
| Raphael G. Warnock | Democratic | GA |
| Richard Blumenthal | Democratic | CT |
| Ron Wyden | Democratic | OR |
| Sheldon Whitehouse | Democratic | RI |
| Tammy Duckworth | Democratic | IL |
| Tina Smith | Democratic | MN |
Government targets: HOUSE OF REPRESENTATIVES, SENATE
Government targets: HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE