A bill 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.

The bill introduced in the 119th Congress with designation S. 3889 on February 12, 2026, aims to restore and clarify the Federal interest rate exportation parity for State-chartered banks. It proposes to allow States the option to opt out of preemption exclusively concerning loans issued by their own chartered institutions, along with other related purposes.