Buy Now, Pay Later: Policy Issues and Options for Congress

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Report metadata

Identifier

R48858

Version

4

Product type

Reports

Status

Active

Published

Feb 18, 2026

Source updated

Jul 25, 2026, 11:10 am UTC

Authors: Karl E. Schneider, Paul Tierno

Politically.com intentionally does not reproduce the report summary or full text. Use the official Congress.gov links above to read the product in its source context.

Structured Congress.gov references

Related federal bills

• S 3561A bill to amend the Truth in Lending Act and the Consumer Financial Protection Act of 2010 to apply certain protections and oversight to buy now, pay later loans, and for other purposes.
  119th Congress
• HR 5683To establish a task force to protect members of the Armed Forces, veterans, and military families, from financial fraud.
  119th Congress
• HR 5083To require the Bureau of Consumer Financial Protection and the Federal Trade Commission to conduct a study on use of additional key factors in credit scoring models, and for other purposes.
  119th Congress
• HR 4289To amend title 18, United States Code, to prohibit short-term, Buy Now, Pay Later loans for the purchase of semiautomatic assault weapons.
  118th Congress
• HR 7900National Defense Authorization Act for Fiscal Year 2023
  117th Congress
• HJRES 195Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Truth in Lending (Regulation Z); Use of Digital User Accounts to Access Buy Now, Pay Later Loans".
  118th Congress
• HR 8628To prohibit the Director of the Bureau of Consumer Financial Protection from issuing new rules or guidance relating to buy now pay later services until the Bureau and the Comptroller General of the United States each conduct a study on such services, and for other purposes.
  118th Congress
• HR 6891To amend the Truth in Lending Act and the Consumer Financial Protection Act of 2010 to apply certain protections and oversight to buy now, pay later loans, and for other purposes.
  119th Congress
• HJRES 190Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Truth in Lending (Regulation Z); Use of Digital User Accounts to Access Buy Now, Pay Later Loans".
  118th Congress