American Lending Fairness Act of 2026

Introduced

In Committee

Floor

Crossed Over

Passed

Enacted

Overview Bill text 1 History 2 Sponsors

Introduced in Senate Feb 12, 2026 · 606 words Open full page ↗

119TH CONGRESS

2D SESSION

S. 3889

To restore and clarify the intent of the Federal interest rate exportation

parity for State-chartered banks by allowing States to opt out of preemp-

tion only with respect to loans made by their own chartered institutions,

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 -8 15/100 from the pace of recorded action
Time since last action -22 246 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.