H.R. 7866 · 119th Congress

American Lending Fairness Act of 2026

Introduced on Mar 9, 2026 by Warren Davidson (R-OH-8). 7 cosponsors, 4 of them from another party. Latest action (Sep 16, 2026): Ordered to be Reported (Amended) by the Yeas and Nays: 31 - 18.

Stage
Introduced
Introduced
Mar 9, 2026
Cosponsors
7
4 from the other party
Policy area
Finance and Financial Sector
Open in the Congress explorerCongress.govAlert me

Progress

The furthest stage the measure reached. Simple and concurrent resolutions do not go to the President.

  1. Introduced
  2. 2Reported by committee
  3. 3Passed one chamber
  4. 4Passed both chambers
  5. 5Sent to the President
  6. 6Became law

Official title

To restore and clarify the intent of the Federal interest rate exportation parity for State-chartered banks by allowing States to opt out of preemption only with respect to loans made by their own chartered institutions, and for other purposes.

Subjects

  • Financial services and investments
  • Interest, dividends, interest rates
  • State and local government operations

Summary

The Congressional Research Service has not summarized this measure yet.

Sponsor and cosponsors

Cosponsors by party as of the day they signed on. Original cosponsors signed on the day of introduction.

Warren DavidsonR-OH-8Sponsor

Democrats · 4

Republicans · 3

Roll calls

Recorded votes on the measure. Most measures move by voice vote or unanimous consent, which record no individual positions.

No recorded roll call on this measure: it moved by voice vote or unanimous consent, or has not reached the floor.

History

Every action as published, oldest first. Roll calls link to how each member voted.

  1. Mar 9, 2026Introduced in House
  2. Mar 9, 2026Introduced in House
  3. Mar 9, 2026 · HouseReferred to the House Committee on Financial Services.
  4. Sep 16, 2026 · HouseCommittee Consideration and Mark-up Session Held
  5. Sep 16, 2026 · HouseOrdered to be Reported (Amended) by the Yeas and Nays: 31 - 18.

Committees

Committees and subcommittees the measure was referred to.

Agencies in its committees' jurisdiction

Analisa's mapping of committee jurisdiction to federal agencies; the bill may touch others, or none of these.

Who lobbied on it

Organizations whose lobbying reports (LD-2) name this measure. Spending is what they reported for those quarters on all issues, not on this measure alone.

  1. Bread Financial Payments, Inc.3 reports
    $120K reported (all issues)
  2. AMERICAN FINTECH COUNCIL2 reports
    $180K reported (all issues)
  3. Bread Financial (fka Alliance Data Systems Corporation)2 reports
    $80K reported (all issues)
  4. CREDIT UNION NATIONAL ASSOCIATION, INC.2 reports
    $2.4M reported (all issues)
  5. National Association of Industrial Bankers2 reports
    $69K reported (all issues)
  6. CONSUMER BANKERS ASSOCIATION1 report
    $1M reported (all issues)
  7. TOYOTA MOTOR NORTH AMERICA, INC. (TMA)1 report
    $1.9M reported (all issues)

Reports filed in 2026.

Sources and method

Every figure on this page traces to these records.

  • Bill status: bills and resolutions, sponsors, actions, subjects and CRS summaries (U.S. Government Publishing Office (GovInfo), from Congress.gov (Library of Congress))GovInfo Bill Status bulk data (Congress.gov; summaries by the Congressional Research Service) · data current to Oct 8, 2026 · loaded Oct 8, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Members of Congress, their terms, committees and identifiers (The @unitedstates project (from the Biographical Directory of the U.S. Congress, the House and the Senate))unitedstates/congress-legislators: legislators, committees and current committee membership · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: CC0 1.0 (public domain dedication)
  • House roll-call votes (Office of the Clerk, U.S. House of Representatives)Office of the Clerk, U.S. House of Representatives, roll-call vote records · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Senate roll-call votes and DW-NOMINATE scores (Voteview (UCLA Department of Political Science))Lewis, Jeffrey B., Keith Poole, Howard Rosenthal, Adam Boche, Aaron Rudkin, and Luke Sonnet (2026). Voteview: Congressional Roll-Call Votes Database. https://voteview.com/ · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Free to use with the required citation
  • Lobbying disclosures (LD-1 registrations, LD-2 quarterly reports, LD-203 contribution reports) (Clerk of the U.S. House of Representatives)Clerk of the House, Lobbying Disclosure Act filings (organizations only; lobbyists' names are not loaded) · data current to Oct 7, 2026 · loaded Oct 7, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Positions are shown only where a roll call recorded them; voice votes and unanimous consent record none.
  • Money and votes are shown side by side; neither explains the other.