HB725Introduced in the House of Delegates
Financial services; open-end credit plans, promotional annual percentage rates.
Introduced by James Leftwich, District 90
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
Financial services; open-end credit plans; promotional annual percentage rates. Requires any creditor that permits a consumer to apply more than one promotional annual percentage rate to an open-end credit contract or plan to apply any payment made by the consumer to the promotional balance, as defined in the bill, with the earliest expiration date unless otherwise expressly agreed in writing by the parties.
Where it stands
Left in Labor and Commerce
February 18, 2026
How did lawmakers vote?
House of DelegatesStage: Subcommittee recommends striking from the docket (9-Y 0-N) · January 27, 2026
9
Yes
0
No
0
Absent or Not Voting
9 delegates recorded in this House of Delegates 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 delegate voted
| Delegate | District | Vote |
|---|---|---|
| Richard Sullivan | 6 | Yes |
| Irene Shin | 8 | Yes |
| Laura Jane Cohen | 15 | Yes |
| Michelle Maldonado | 20 | Yes |
| J.J. Singh | 26 | Yes |
| Jason Ballard | 42 | Yes |
| Israel O'Quinn | 44 | Yes |
| Terry Kilgore | 45 | Yes |
| Rae Cousins | 79 | Yes |
Bill history
Prefiled and ordered printed; Offered 01-14-2026 26102303D
Referred to Committee on Labor and Commerce
Assigned HCL sub: Subcommittee #1
Fiscal Impact Statement from State Corporation Commission (HB725)
Subcommittee recommends striking from the docket (9-Y 0-N)
Left in Labor and Commerce
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