Prohibits certain financial institutions from charging a fee based on the frequency of payments or for changing the frequency of mortgage payments

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PASSAGE PROBABILITY

1.5% Unlikely

Why this number

Stage base Passed First Chamber — base rate 16%, measured from NY's completed sessions
Momentum +5 71/100 from the pace of recorded action
Time since last action -19 137 days quiet

A transparent scoring model over stage, momentum, recency, sponsorship and recorded votes — not a trained predictor. Treat it as a way to rank attention, not as a forecast.