The American Lending Fairness Act of 2026 allows states to opt out of federal interest rate preemption for loans made by state-chartered institutions.
The American Lending Fairness Act of 2026 amends the Federal Deposit Insurance Act and the Federal Credit Union Act to allow states to opt out of federal interest rate preemption for loans made by institutions chartered by the state. This means that if a state adopts a law or certification stating that it does not want federal preemption to apply to loans made by its own chartered institutions, those loans will not be subject to federal interest rate limits.
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