Mr. Whitehouse (for himself, Ms. Warren, Mr. Reed, and Mr. Merkley) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs
To amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, and for other purposes.
Citations are generated automatically from bibliographic data as a convenience and may not be complete or accurate.
Chicago
U.S. Congress. Senate. Empowering States' Rights To Protect Consumers Act of 2026. S. 3721. 119th
Cong., 2nd
sess., Introduced in Senate January 29, 2026. https://www.govinfo.gov/app/details/BILLS-119s3721is.
APA
Congress, Senate (2026, January 29). Empowering States' Rights To Protect Consumers Act of 2026 (S. 3721 (IS)). Retrieved from https://www.govinfo.gov/app/details/BILLS-119s3721is.
MLA
United States, Congress, Senate. Empowering States' Rights To Protect Consumers Act of 2026. U.S. Government Publishing Office, https://www.govinfo.gov/app/details/BILLS-119s3721is. 119th Congress, S. 3721, Introduced in Senate 29 Jan. 2026.
Bluebook
S.3721 - 119th Congress (2025-2026): Empowering States' Rights To Protect Consumers Act of 2026, S.3721, 119th Cong. (2026), https://www.govinfo.gov/app/details/BILLS-119s3721is.
