Introduced
S. 3721
Introduced in Senate · February 18, 2026January 29, 2026
Mr. Whitehouse (for himself, Ms. Warren, Mr. Reed, and Mr. Merkley) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs
A BILL
To amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, and for other purposes.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. Short title.
This Act may be cited as the “Empowering States' Rights To Protect Consumers Act of 2026”.