legislation: 114-hr-5724

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bill_id congress bill_type bill_number title policy_area introduced_date latest_action_date latest_action_text origin_chamber sponsor_name sponsor_state sponsor_party sponsor_bioguide_id cosponsor_count summary_text update_date url
114-hr-5724 114 hr 5724 Protecting Consumers' Access to Credit Act of 2016 Finance and Financial Sector 2016-07-11 2016-07-11 Referred to the House Committee on Financial Services. House Rep. McHenry, Patrick T. [R-NC-10] NC R M001156 0 Protecting Consumers' Access to Credit Act of 2016 This bill amends the Revised Statutes and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party. (Under these laws, interest may be charged on loans to customers at the greater of: (1) a rate not more than 1% above the discount rate on 90-day commercial paper in effect at the Federal Reserve Bank for the district in which the lender is located, or (2) the highest rate allowed by the laws of the state in which the lender is located.) 2023-01-11T13:33:25Z  

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