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    <number>4183</number>
    <updateDate>2023-01-11T13:26:51Z</updateDate>
    <updateDateIncludingText>2023-01-11T13:26:51Z</updateDateIncludingText>
    <originChamber>House</originChamber>
    <originChamberCode>H</originChamberCode>
    <type>HR</type>
    <introducedDate>2014-03-06</introducedDate>
    <congress>113</congress>
    <constitutionalAuthorityStatementText><![CDATA[<pre>From the Congressional Record Online through the Government Publishing Office [<a href='http://www.gpo.gov'>www.gpo.gov</a>]By Mr. TIERNEY:H.R. 4183.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8.[Page H2257]</pre>]]></constitutionalAuthorityStatementText>
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        <chamber>House</chamber>
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            <name>Referred to</name>
            <date>2014-03-06T14:03:20Z</date>
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      <item>
        <title>Empowering States' Rights To Protect Consumers Act of 2013</title>
        <congress>113</congress>
        <number>1229</number>
        <type>S</type>
        <latestAction>
          <actionDate>2013-06-26</actionDate>
          <text>Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.</text>
        </latestAction>
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        <actionDate>2014-03-06</actionDate>
        <text>Referred to the House Committee on Financial Services.</text>
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    <sponsors>
      <item>
        <bioguideId>T000266</bioguideId>
        <fullName>Rep. Tierney, John F. [D-MA-6]</fullName>
        <firstName>JOHN</firstName>
        <lastName>TIERNEY</lastName>
        <party>D</party>
        <state>MA</state>
        <middleName>F.</middleName>
        <district>6</district>
        <isByRequest>N</isByRequest>
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    </sponsors>
    <cosponsors>
      <item>
        <bioguideId>M000725</bioguideId>
        <fullName>Rep. Miller, George [D-CA-11]</fullName>
        <firstName>GEORGE</firstName>
        <lastName>MILLER</lastName>
        <party>D</party>
        <state>CA</state>
        <district>11</district>
        <sponsorshipDate>2014-03-27</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>T000465</bioguideId>
        <fullName>Rep. Tsongas, Niki [D-MA-3]</fullName>
        <firstName>Niki</firstName>
        <lastName>Tsongas</lastName>
        <party>D</party>
        <state>MA</state>
        <district>3</district>
        <sponsorshipDate>2014-04-29</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
    </cosponsors>
    <policyArea>
      <name>Finance and Financial Sector</name>
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    <subjects>
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          <name>Consumer credit</name>
        </item>
        <item>
          <name>Interest, dividends, interest rates</name>
        </item>
      </legislativeSubjects>
      <policyArea>
        <name>Finance and Financial Sector</name>
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    <summaries>
      <summary>
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        <actionDate>2014-03-06</actionDate>
        <actionDesc>Introduced in House</actionDesc>
        <updateDate>2014-03-13T20:51:59Z</updateDate>
        <text><![CDATA[ <p>Empowering States' Rights To Protect Consumers Act of 2014 - Amends the Truth In Lending Act to limit the annual percentage rate (APR) applicable to any consumer credit transaction (other than a residential mortgage transaction), including any associated fees, to the maximum rate permitted by the laws of the state in which the consumer resides.</p>]]></text>
      </summary>
    </summaries>
    <title>Empowering States' Rights To Protect Consumers Act of 2014</title>
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        <titleType>Display Title</titleType>
        <title>Empowering States' Rights To Protect Consumers Act of 2014</title>
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      <item>
        <titleType>Official Title as Introduced</titleType>
        <title>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.</title>
        <billTextVersionName>Introduced in House</billTextVersionName>
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        <title>Empowering States' Rights To Protect Consumers Act of 2014</title>
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        <type>Introduced in House</type>
        <date>2014-03-06T05:00:00Z</date>
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            <url>https://www.govinfo.gov/content/pkg/BILLS-113hr4183ih/xml/BILLS-113hr4183ih.xml</url>
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    <latestAction>
      <actionDate>2014-03-06</actionDate>
      <text>Referred to the House Committee on Financial Services.</text>
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    <dc:rights>Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.</dc:rights>
    <dc:contributor>Congressional Research Service, Library of Congress</dc:contributor>
    <dc:description>This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.</dc:description>
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