S. 3889 Introduced Finance and Financial Sector

American Lending Fairness Act of 2026

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.

  1. Introduced
  2. Committee
  3. Passed Senate
  4. Passed House
  5. To President
  6. Became law
Sponsor Sen. Moreno, Bernie [R-OH] Introduced February 12, 2026 Cosponsors 1 (1 R) Latest action February 12, 2026

Summary

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

Congress.gov

Actions

  1. Feb 12, 2026 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  2. Feb 12, 2026 Introduced in Senate

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