Senate bill · S. 3889 (119th Congress)
American Lending Fairness Act of 2026
U.S. Senate
Sponsor: Bernie Moreno (U.S. Senator for Ohio, Republican)
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From Congress.gov and official rosters. This record was last updated Jul 30, 2026. About our data
Summary
Amends the Federal Deposit Insurance Act to allow states to opt out of federal interest-rate preemption for loans made by their own state-chartered financial institutions.
AI summary. Not an official summary. How we handle summaries
Where it stands
Assigned to a committee for review.
- Introduced
- In committee
- Up for a vote
- Passed one chamber
- Passed
- Enacted
Committee
Senate Committee on Banking, Housing, and Urban Affairs · U.S. Senate
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Related bills
As identified by Congress.gov.
Full history
- Feb 12, 2026
Introduced
Introduced in U.S. Senate
U.S. Senate
- Feb 12, 2026
Referred to committee
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Feb 12, 2026
Referred to committee
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Feb 12, 2026
Referred to committee
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Read the record
- Read on Congress.gov (opens in a new tab) The official record on Congress.gov.