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S 780 119th Congress

SAFE Lending Act of 2025

A bill to amend the Truth in Lending Act to address certain issues relating to the extension of consumer credit, and for other purposes.

Official Title as Introduced Congress.gov

Introduced Feb 27, 2025 Latest action Feb 27, 2025 Sponsor: Sen. Merkley, Jeff [D-OR] Finance and Financial Sector
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Source: Congress.govUpdated 2026-09-18 00:10:45 UTC.

Source-linked procedural record

Bill journey

4 dated records

This is a chronology, not a progress score. Politically.com does not classify stages or infer what comes next. Records sharing a date are grouped because not every source field supplies a time.

Congress.gov Recently refreshed U.S. Senate XML Recently refreshed
Introduction 1 One supplied introduction date.
Official actions 2 2 dated action records.
Committees 1 1 undated relationship.
Amendments 0 No record is cached.
Text versions 1 1 dated, 0 without a supplied date.
House roll calls 0 No exact legislation-key match in the House-vote cache.
Senate roll calls 0 No exact document-key match in the Senate-vote cache.
Related measures 1 1 undated relationship.
Linked law 0 No linked law record is cached; this does not predict outcome.

  1. Official action Congress.gov

    Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

    IntroReferral · Senate

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    Official action Congress.gov

    Introduced in Senate

    IntroReferral · Library of Congress · Code 10000

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    Text version Congress.gov

    Introduced in Senate

    A dated text-version record is available.

    Open text record
View the complete bill journey as an accessible table
Every dated cached record linked to S 780. Same-date row order does not assert procedural sequence.
Date and timeRecordOfficial detailSource
IntroductionIntroduced Introduced in the Senate. Congress.gov
Official actionRead twice and referred to the Committee on Banking, Housing, and Urban Affairs. No additional detail supplied.IntroReferral · Senate Congress.gov
Official actionIntroduced in Senate No additional detail supplied.IntroReferral · Library of Congress · Code 10000 Congress.gov
Text versionIntroduced in Senate A dated text-version record is available. Congress.gov

House roll calls join only on matching Congress, legislation type, and number. Senate roll calls join only on matching source-supplied document type and number, not question text. Committee and related-measure relationships have no date in their relationship records and therefore are counted above but never placed on the chronology.

Congressional Research Service

CRS summary

Introduced in Senate Feb 27, 2025

Stopping Abuse and Fraud in Electronic Lending Act of 2025 or the SAFE Lending Act of 2025This bill creates additional consumer protections applicable to certain credit and banking transactions, including matters concerning remotely created checks, electronic fund transfers, registration of small-dollar lenders, overdraft fees, and the collection of personal information.Under the bill, remotely created checks may only be issued by a person specifically designated in writing by a consumer. The consumer must provide the designation to the consumer's depository institution. (A remotely created check is a check not issued by the bank and not signed by the account owner.)A voluntary agreement to repay a small-dollar consumer credit transaction by an electronic fund transfer is subject to certain protections, including the right of the consumer to stop payment.Small-dollar consumer credit providers must register with the Consumer Financial Protection Bureau. Any small-dollar consumer credit transaction is subject to the laws of the state in which the consumer resides.The bill also prohibits overdraft fees on prepaid accounts.

Official documents

Text versions