H.R. 7866 Introduced Finance and Financial Sector

American Lending Fairness Act of 2026

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.

  1. Introduced
  2. Committee
  3. Passed House
  4. Passed Senate
  5. To President
  6. Became law
Sponsor Rep. Davidson, Warren [R-OH-8] Introduced March 9, 2026 Cosponsors 7 (3 R, 4 D) Latest action September 16, 2026

Summary

The Congressional Research Service has not published a summary of this bill yet.

Congress.gov

Actions

  1. Sep 16, 2026 Ordered to be Reported (Amended) by the Yeas and Nays: 31 - 18.
  2. Sep 16, 2026 Committee Consideration and Mark-up Session Held
  3. Mar 9, 2026 Referred to the House Committee on Financial Services.
  4. Mar 9, 2026 Introduced in House

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