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119th Congress · House bill · Last action Mar 9, 2026
BillsFinance and Financial SectorH.R. 7866Congress.gov ↗
H.R. 7866In CommitteeFinance and Financial Sector

American Lending Fairness Act of 2026

Sponsor: Rep. Davidson, Warren (R-OH)7 cosponsorsIntroduced Mar 9, 2026
In plain English

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Where it is in the process

Introduced
Mar 9
House committee
Mar 9
3
House floor
-
4
Senate
-
5
Signed
-
What happens next: Sits in committee. Needs a markup or favorable report to advance to the House floor.

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Sponsor

Cosponsors (7)

AR
SR
SR
VR
YR
JR
SR
4 Democrats, 3 Republicans (of 7 shown).

Activity timeline

Mar 9
Mar 9
Referred to the House Committee on Financial Services.
Mar 9
Mar 9
Introduced in House
Mar 9
Mar 9
Introduced in House
Read the bill text
Official text via Congress.gov. Opens in a new tab.
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Full action log

All 3 recorded actions since introduction · Source: Congress.gov
Mar 9
HOUSEReferred to the House Committee on Financial Services.
Mar 9
Introduced in House
Mar 9
Introduced in House

All 7 cosponsors

4 Democrats · 3 Republicans
Democrats (4)
Republicans (3)

In the news

House Financial Services Committee to Consider H.R. 7866 and the Intended Scope of DIDMCA’s Opt-Out Provision - Consumer Finance Monitor
Article - CFA Letter Opposing H.R. 7866, the American Lending Fairness Act - Consumer Federation of America
Credit Union Priorities Face Tight Window As Congress Returns - CU Today
DIDMCA’s Section 525 Opt-Out: Congress Allowed States to Reimpose Usury Limits on Their Own Banks, Not on Out-of-State Lenders - Consumer Finance Monitor
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