Empowering States' Rights To Protect Consumers Act of 2026

Introduced

In Committee

Floor

Crossed Over

Passed

Enacted

Overview Bill text 1 History 2 Sponsors

Introduced in Senate Jan 29, 2026 · 342 words Open full page ↗

119TH CONGRESS

2D SESSION

S. 3721

To amend the Truth in Lending Act to empower the States to set the

maximum annual percentage rates applicable to consumer credit trans-

actions, and for other purposes.

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PASSAGE PROBABILITY

1% Unlikely

Why this number

Stage base Introduced — base rate 2%, measured from US's completed sessions
Momentum -6 21/100 from the pace of recorded action
Time since last action -22 261 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.