HB1309Introduced in the House of Delegates
Consumer finance companies; additional charges.
Introduced by Jason Ballard, District 42
What does this bill do?
Plain-English breakdown
Writing a plain-English summary of this bill… this can take a few seconds the first time.
Official description
Consumer finance companies; additional charges. Provides that, for the purposes of the prohibition on additional charges by consumer finance companies, exceptions to such prohibition include (i) charges for guaranteed asset protection waivers for the protection and benefit of the borrower in connection with any loan and (ii) charges for guaranteed asset protection insurance for the protection and benefit of the borrower in connection with any loan.
Where it stands
Acts of Assembly Chapter text (CHAP0464)
April 8, 2026
How did lawmakers vote?
House of Delegates votes
3 recorded votes · each counted separately
Senate votes
3 recorded votes · each counted separately
SenateStage: Passed Senate (39-Y 0-N 0-A) · March 5, 2026
39
Yes
0
No
1
Absent or Not Voting
40 senators recorded in this Senate vote. Colors show vote categories only, not whether a vote was good or bad.
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.
See how each senator voted
| Senator | District | Vote |
|---|---|---|
| Elizabeth Bennett-Parker | 5 | Yes |
| Michael Jones | 77 | Yes |
| Timmy French | 1 | Yes |
| Mark Obenshain | 2 | Yes |
| Chris Head | 3 | Yes |
| David Suetterlein | 4 | Yes |
| Travis Hackworth | 5 | Yes |
| Todd Pillion | 6 | Yes |
| William Stanley | 7 | Yes |
| Mark Peake | 8 | Yes |
Bill history
Presented and ordered printed 26105258D
Referred to Committee on Labor and Commerce
Fiscal Impact Statement from State Corporation Commission (HB1309)
Assigned HCL sub: Subcommittee #1
Subcommittee recommends reporting (8-Y 0-N)
Reported from Labor and Commerce (20-Y 0-N)
Read first time
Read second time and engrossed
Read third time and passed House Block Vote (97-Y 0-N 0-A)
Constitutional reading dispensed (on 1st reading)
Referred to Committee on Commerce and Labor
Reported from Commerce and Labor (12-Y 1-N)
Rules suspended
Constitutional reading dispensed (on 2nd reading) (39-Y 0-N 0-A)
Passed by for the day (Voice Vote)
Read third time
Passed Senate (39-Y 0-N 0-A)
Enrolled
Bill text as passed House and Senate (HB1309ER)
Signed by Speaker
Signed by President
Enrolled Bill communicated to Governor on March 14, 2026
Governor's Action Deadline 11:59 p.m., April 13, 2026
Fiscal Impact Statement from State Corporation Commission (HB1309)
Approved by Governor-Chapter 464 (effective 7/1/2026)
Acts of Assembly Chapter text (CHAP0464)
Verify the information
Our commitment to neutrality
We provide factual information only. We never tell you which politicians or bills to support, and we do not rank, score, or endorse anyone.