SB3889Introduced in the Senate
American Lending Fairness Act of 2026
Introduced by Bernie Moreno, District OH
What does this bill do?
Plain-English breakdown
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Official description
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.
Where it stands
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
February 12, 2026
How did lawmakers vote?
No recorded vote is available for this bill yet.
What do people think?
Citizen Voice
How would you vote on this bill?
An unofficial public opinion poll. It does not affect the bill or the official vote.
One response per device. Location is self-reported and not verified. Results are informal and not a scientific survey.
Bill history
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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