House bill · 119th Congress · Latest step: Introduced
Buy Now, Pay Later Protection Act of 2025
Official title: To amend the Truth in Lending Act and the Consumer Financial Protection Act of 2010 to apply certain protections and oversight to buy now, pay later loans, and for other purposes.
Sponsor: Rep. Deborah Ross D-NCWhere it went
- IntroducedDec 18, 2025
- Committee action—
- Passed House—
- Passed Senate—
- To the President—
- Became law—
Latest action: Dec 18, 2025 — Referred to the House Committee on Financial Services.
Cost and committee reports
Official records Congress.gov attaches to H.R. 6891.
- Constitutional authority statementThe sponsor’s statement of where the Constitution gives Congress the power to pass this bill. Statement by Ms. ROSS, as printed in the Congressional Record (Vol. 171, No. 214, December 18, 2025, Page H6117):Article I, Section 8 of the Constitution provides Congress the authority to regulate commerce.Source: Congress.gov, Congressional Record December 18, 2025 ↗
Evidence
- Field in the Congress.gov record
- constitutionalAuthorityStatementText
- Statement length
- 94 characters
- Congress.gov bill record
- H.R. 6891, 119th Congress
- Congress.gov API record
- https://api.congress.gov/v3/bill/119/hr/6891
- Record last updated by Congress.gov
- September 19, 2026
- PORKER copy retrieved
- September 24, 2026
- Stored copy, SHA-256 of the file
51bf4a786100e2916bf86bbcfe3da9bb237494b3a95d1c6663d1be000f521222
PORKER shows the statement exactly as printed, with the page markup removed. It is the sponsor’s claim; it is not a legal finding.
Congress.gov’s record for this bill does not list a CBO cost estimate or a committee report (as of September 19, 2026). Not every bill gets one.
From the Congress.gov bill record for H.R. 6891, last updated September 19, 2026. PORKER’s copy was retrieved September 24, 2026 and is refreshed nightly. Open “Evidence” on any line for the record, field and file fingerprint.
Vote results
No recorded roll-call votes on this bill in PORKER’s records (voice votes and unanimous consent are not roll calls; roll-call records start in 2011).
Cosponsors
6 cosponsors — 6 Democrats
0 of 6 cosponsors (0%) are from the other party.
Valerie Foushee (D-NC), Stephen Lynch (D-MA), Eleanor Norton (D-DC), Emilia Sykes (D-OH), Rashida Tlaib (D-MI), Nikema Williams (D-GA).
More from the sponsor
Other 119th Congress bills sponsored by Rep. Deborah Ross.
- H.R. 9333 (119th) AI Flaw Reporting and Security Enhancement Act
- H.R. 5528 (119th) America’s CHILDREN Act of 2025
- H.R. 4525 (119th) Right to FDA-Approved Medicines Act
- H.R. 4959 (119th) Land of the Free Act of 2025
- H.R. 7375 (119th) End Prison Gerrymandering Act
- H.R. 7711 (119th) No Rewards for January 6 Rioters Act
Related bills
Relationships as recorded by Congress.gov.
Sponsor’s state and district
Data as of Sep 24, 2026 · bill record checked by PORKER from Congress.gov · votes from Senate.gov and the House Clerk. PORKER is non-partisan.