American Lending Fairness Act of 2026

Hozzl · 2026-09-18T08:06:58Z

Explore the details of House Bill 7866 American Lending Fairness Act of 2026 currently in Congress. Get insights into its purpose, current status, sponsors, and potential impact on Finance and Financial Sector. Stay informed on legislative developments.

9/18/2026, 8:06 AM

Summary of Bill HR 7866

The bill, designated as H.R. 7866 in the 119th Congress, aims to restore and clarify the Federal interest rate exportation parity for State-chartered banks by permitting States to opt out of preemption solely for loans issued by their own chartered institutions.

Current Status of Bill HR 7866

Bill HR 7866 is currently in the status of Bill Introduced since March 9, 2026. Bill HR 7866 was introduced during Congress 119 and was introduced to the House on March 9, 2026. Bill HR 7866's most recent activity was Ordered to be Reported (Amended) by the Yeas and Nays: 31 - 18. as of September 16, 2026

Bipartisan Support of Bill HR 7866

Total Number of Sponsors

Democrat Sponsors

Republican Sponsors

Unaffiliated Sponsors

Total Number of Cosponsors

Democrat Cosponsors

Republican Cosponsors

Unaffiliated Cosponsors

Policy Area and Potential Impact of Bill HR 7866

Primary Policy Focus

Finance and Financial Sector

Alternate Title(s) of Bill HR 7866

To restore and clarify the intent of the Federal interest rate exportation parity for State-chartered banks by allowing States to opt out of preemption only with respect to loans made by their own chartered institutions, and for other purposes.