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118-hr-9679Committee
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SAFE Lending Act of 2024

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Summary

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The SAFE Lending Act of 2024 amends federal consumer credit and electronic fund transfer laws to strengthen protections for borrowers in small-dollar lending. The bill requires lenders offering small-dollar credit (up to $5,000) to register with the Consumer Financial Protection Bureau, prohibits remotely created checks without explicit written consumer authorization, restricts lead generation practices that distribute sensitive financial information, and bans overdraft fees on prepaid accounts. It also subjects small-dollar loans made online or by national banks to state interest rate and fee caps, and directs a study on the impact of small-dollar lending on Native American communities.

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Bill details

Congress
118
Bill type
hr
Introduced
September 19, 2024
Sponsor
Not yet available
Last action
September 19, 2024— Referred to the House Committee on Financial Services.

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