CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP

BAN · Banking

H.R. 7866 - American Lending Fairness Act of 2026, concerning state authority to apply interest-rate limits to loans by out-of-state state-chartered banks. H.R. 10184 - Consumer Financial Protection Accountability and Reform Act of 2026, opposing limits on Consumer Financial Protection Bureau funding, supervision, enforcement, restitution, and state enforcement. Congressional oversight of Consumer Financial Protection Bureau operations, structure, funding, authorities, supervision, enforcement, restitution, and leadership. Bank acquisition applications of high-cost consumer lenders (OppFi, Enova), including the use of bank charters to avoid state interest-rate limits. Community Reinvestment Act proposed rule issued by the OCC and FDIC, concerning bank obligations to low- and moderate-income communities and anti-redlining protections. FDIC proposed rule on state bank parity and Riegle-Neal preemption, concerning state consumer lending protections and H.R. 7866. H.R. 9330 - opposing the Earned Wage Access Consumer Protection Act, concerning the preemption of state payday lending laws, the Military Lending Act, and the Equal Credit Opportunity Act. H.R. 6955 - financial services deregulation legislation, concerning rollbacks of consumer protection and bank regulatory authority, including the Consumer Financial Protection Bureau and Community Reinvestment Act. H.R. 941 - opposing the Small Lenders Exempt from New Data and Excessive Reporting (LENDER) Act, concerning small business lending data collection under Section 1071 of the Dodd-Frank Act. S. 3889 - American Lending Fairness Act and S. 3793 - Predatory Lending Elimination Act, concerning state interest-rate limits and a 36% cap on consumer loans. H.R. 8395 - PACE Act, concerning fintech company access to Federal Reserve payment systems. H.R. 6552 - Bank-Fintech Partnership Enhancement Act, concerning partnerships between banks and fintech companies. S. 3721 - Empowering States' Rights to Protect Consumers Act, concerning state authority over consumer financial services. S. 3561 - Buy Now, Pay Later Protection Act, concerning Truth in Lending Act protections for buy now, pay later products. Digital asset, cryptocurrency, and stablecoin legislation and regulation, including H.R. 3633, the Digital Asset Market Clarity Act (CLARITY Act). Legislation and appropriations concerning funding for the Consumer Financial Protection Bureau. Nomination of the Director of the Consumer Financial Protection Bureau.

Literal federal measure citations: H.R. 7866, H.R. 10184, H.R. 7866, H.R. 9330, H.R. 6955, H.R. 941, S. 3889, S. 3793, H.R. 8395, H.R. 6552, S. 3721, S. 3561, H.R. 3633

HOU · Housing

Draft legislation concerning discharge of FHA partial claims after non-judicial foreclosure sales and a related GAO study of barriers facing FHA-financed homebuyers. Federal Home Loan Bank System reform and oversight, including H.R. 10325 and contributions to the Affordable Housing Program. H.R. 6644 / S. 7 - 21st Century ROAD to Housing Act, final passage, enactment, and implementation. Real estate listing practices, including undisclosed ('pocket') listings, and their effect on access to housing.

Literal federal measure citations: H.R. 10325, H.R. 6644, S. 7

VET · Veterans

Military Lending Act protections and its 36% Military Annual Percentage Rate cap, including proposed exemptions for earned wage access products (H.R. 9330). Consumer Financial Protection Bureau supervision for compliance with the Military Lending Act and Servicemembers Civil Relief Act, including staffing changes and removal of servicemember information from the agency's website.

Literal federal measure citations: H.R. 9330

CIV · Civil Rights/Civil Liberties

HUD proposed rule to remove disparate-impact standards from its Title VI regulations, concerning protections against discrimination in HUD-assisted programs. Preservation of the Community Reinvestment Act and other anti-redlining protections, including H.R. 6955 and the OCC and FDIC proposed rule. Fair lending and the disparate impact of high-cost and predatory lending on communities of color, including opposition to high-cost lender bank applications (Enova, OppFi). Application of the Equal Credit Opportunity Act to emerging consumer financial products, including proposed exemptions for earned wage access products (H.R. 9330). FY2027 appropriations riders concerning diversity, equity, inclusion, and accessibility.

Literal federal measure citations: H.R. 6955, H.R. 9330

CSP · Consumer Issues/Safety/Products

H.R. 9330 - Earned Wage Access Consumer Protection Act, opposing exemptions from state usury limits, the Military Lending Act, and the Equal Credit Opportunity Act. H.R. 10184 - Consumer Financial Protection Accountability and Reform Act of 2026, opposing limits on Consumer Financial Protection Bureau authority and consumer restitution. Federal Trade Commission proposed policy on personalized pricing, concerning disclosure, discrimination, and Fair Credit Reporting Act implications. Draft medical debt legislation concerning a patient's right to repurchase debt at the discount offered to debt buyers. Congressional oversight of artificial intelligence in financial services, including adverse action notices and explainability under the Equal Credit Opportunity Act and Fair Credit Reporting Act. H.R. 3633 - Digital Asset Market Clarity Act (CLARITY Act), opposing artificial intelligence regulatory sandbox provisions that could exempt firms from consumer protection and civil rights laws. H.R. 8141 - Fair Credit Reporting Reseller Accuracy Act and H.R. 5775 - FCRA Liability Harmonization Act, concerning amendments to the Fair Credit Reporting Act (FCRA). H.R. 5402 - Credit Access and Inclusion Act of 2025, concerning the inclusion of rent and utility payment data in consumer credit reports. H.R. 7588 - Complaint Database Act, concerning the Consumer Financial Protection Bureau consumer complaint database. H.R. 4801 - Unleashing AI Innovation in Financial Services Act, and related legislation and oversight concerning artificial intelligence in consumer financial services. Algorithmic and artificial-intelligence-driven pricing and fees in rental housing, including the use of shared landlord data to set rents and fees. Consumer financial fees, including Consumer Financial Protection Bureau rules on credit card late fees and overdraft fees and supervision of payment applications. High-cost and predatory consumer lending, including the Enova and OppFi bank applications.

Literal federal measure citations: H.R. 9330, H.R. 10184, H.R. 3633, H.R. 8141, H.R. 5775, H.R. 5402, H.R. 7588, H.R. 4801

SMB · Small Business

H.R. 941 - Small Lenders Exempt from New Data and Excessive Reporting (LENDER) Act, concerning small business lending data collection under Section 1071 of the Dodd-Frank Act.

Literal federal measure citations: H.R. 941