House bill · 119th Congress · Latest step: Committee action
American Lending Fairness Act of 2026
Official title: To restore and clarify the intent of the Federal interest rate exportation parity for State-chartered banks by allowing States to opt out of preemption only with respect to loans made by their own chartered institutions, and for other purposes.
Sponsor: Rep. Warren Davidson R-OHWhere it went
- IntroducedMar 9, 2026
- Committee actionSep 16, 2026
- Passed House—
- Passed Senate—
- To the President—
- Became law—
Latest action: Sep 16, 2026 — Ordered to be Reported (Amended) by the Yeas and Nays: 31 - 18.
Cost and committee reports
Official records Congress.gov attaches to H.R. 7866.
- Constitutional authority statementThe sponsor’s statement of where the Constitution gives Congress the power to pass this bill. Statement by Mr. DAVIDSON, as printed in the Congressional Record (Vol. 172, No. 43, March 9, 2026, Page H2476):Article I, Section 8, Clause 3 of the United States Constitution: ``The Congress shall have Power . . . To regulate Commerce with foreign Nations, and among the several States, and with the Indian Tribes.''Source: Congress.gov, Congressional Record March 9, 2026 ↗
Evidence
- Field in the Congress.gov record
- constitutionalAuthorityStatementText
- Statement length
- 206 characters
- Congress.gov bill record
- H.R. 7866, 119th Congress
- Congress.gov API record
- https://api.congress.gov/v3/bill/119/hr/7866
- Record last updated by Congress.gov
- September 21, 2026
- PORKER copy retrieved
- September 24, 2026
- Stored copy, SHA-256 of the file
2304de3eea89a6db30970553e8460f14577b05ea6ffe335b2de58c4da5b31f51
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 21, 2026). Not every bill gets one.
From the Congress.gov bill record for H.R. 7866, last updated September 21, 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
7 cosponsors — 3 Republicans, 4 Democrats
4 of 7 cosponsors (57%) are from the other party.
Andy Barr (R-KY), Scott Fitzgerald (R-WI), Vicente Gonzalez (D-TX), Josh Gottheimer (D-NJ), Steven Horsford (D-NV), Young Kim (R-CA), Sarah McBride (D-DE).
More from the sponsor
Other 119th Congress bills sponsored by Rep. Warren Davidson.
- H.R. 386 (119th) Chinese Currency Accountability Act of 2025
- H.R. 425 (119th) Repealing Big Brother Overreach Act
- H.R. 6624 (119th) Biological Intellectual Property Protection Act of 2025
- H.R. 7688 (119th) DPA Modernization Act of 2026
- H.R. 1602 (119th) Financial Privacy Act of 2025
- H.R. 724 (119th) CBO Show Your Work Act
Related bills
- S. 3889 (119th) American Lending Fairness Act of 2026Identical bill
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.