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    <number>3734</number>
    <updateDate>2023-01-11T13:40:41Z</updateDate>
    <updateDateIncludingText>2023-01-11T13:40:41Z</updateDateIncludingText>
    <originChamber>Senate</originChamber>
    <type>S</type>
    <introducedDate>2018-12-10</introducedDate>
    <congress>115</congress>
    <committees>
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        <systemCode>ssbk00</systemCode>
        <name>Banking, Housing, and Urban Affairs Committee</name>
        <chamber>Senate</chamber>
        <type>Standing</type>
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            <name>Referred to</name>
            <date>2018-12-10T22:02:16Z</date>
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    <relatedBills>
      <item>
        <title>Small Business Lending Fairness Act</title>
        <congress>115</congress>
        <number>7354</number>
        <type>HR</type>
        <latestAction>
          <actionDate>2018-12-19</actionDate>
          <text>Referred to the House Committee on Financial Services.</text>
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        <actionDate>2018-12-10</actionDate>
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            <name>Banking, Housing, and Urban Affairs Committee</name>
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        <sourceSystem>
          <name>Senate</name>
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        <text>Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.</text>
        <type>IntroReferral</type>
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      <item>
        <actionDate>2018-12-10</actionDate>
        <text>Introduced in Senate</text>
        <type>IntroReferral</type>
        <actionCode>10000</actionCode>
        <sourceSystem>
          <code>9</code>
          <name>Library of Congress</name>
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    <sponsors>
      <item>
        <bioguideId>J000300</bioguideId>
        <fullName>Sen. Jones, Doug [D-AL]</fullName>
        <firstName>Doug</firstName>
        <lastName>Jones</lastName>
        <party>D</party>
        <state>AL</state>
        <isByRequest>N</isByRequest>
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    </sponsors>
    <cosponsors>
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        <bioguideId>C001095</bioguideId>
        <fullName>Sen. Cotton, Tom [R-AR]</fullName>
        <firstName>Tom</firstName>
        <lastName>Cotton</lastName>
        <party>R</party>
        <state>AR</state>
        <sponsorshipDate>2018-12-10</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>M001176</bioguideId>
        <fullName>Sen. Merkley, Jeff [D-OR]</fullName>
        <firstName>Jeff</firstName>
        <lastName>Merkley</lastName>
        <party>D</party>
        <state>OR</state>
        <sponsorshipDate>2018-12-10</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
    </cosponsors>
    <policyArea>
      <name>Finance and Financial Sector</name>
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    <subjects>
      <legislativeSubjects>
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          <name>Administrative law and regulatory procedures</name>
        </item>
        <item>
          <name>Banking and financial institutions regulation</name>
        </item>
        <item>
          <name>Consumer Financial Protection Bureau</name>
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        <item>
          <name>Consumer credit</name>
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      <policyArea>
        <name>Finance and Financial Sector</name>
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    <summaries>
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        <actionDate>2018-12-10</actionDate>
        <actionDesc>Introduced in Senate</actionDesc>
        <updateDate>2019-08-13T22:03:20Z</updateDate>
        <text><![CDATA[ <p><b>Unsolicited Loan Act of 2018</b></p> <p>This bill prohibits a lender from providing an unsolicited loan check to a consumer.</p>]]></text>
      </summary>
    </summaries>
    <title>Unsolicited Loan Act of 2018</title>
    <titles>
      <item>
        <titleType>Display Title</titleType>
        <title>Unsolicited Loan Act of 2018</title>
      </item>
      <item>
        <titleType>Official Title as Introduced</titleType>
        <title>A bill to amend the Truth in Lending Act to prohibit the distribution of any check or other negotiable instrument as part of a solicitation by a creditor for an extension of credit, to limit the liability of consumers in conjunction with such solicitations, and for other purposes.</title>
        <billTextVersionName>Introduced in Senate</billTextVersionName>
        <billTextVersionCode>IS</billTextVersionCode>
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      <item>
        <titleType>Short Titles as Introduced</titleType>
        <title>Unsolicited Loan Act of 2018</title>
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    <textVersions>
      <item>
        <type>Introduced in Senate</type>
        <date>2018-12-10T05:00:00Z</date>
        <formats>
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            <url>https://www.govinfo.gov/content/pkg/BILLS-115s3734is/xml/BILLS-115s3734is.xml</url>
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    <latestAction>
      <actionDate>2018-12-10</actionDate>
      <text>Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.</text>
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    <dc:language>EN</dc:language>
    <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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