Empowering States' Rights To Protect Consumers Act of 2026

[AI summary unavailable — showing source text] [Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [S. 3721 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 3721 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. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES January 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''. SEC. 2. LIMITS ON ANNUAL PERCENTAGE RATES. (a) In General.--Chapter 2 of the Trut…