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The American Lending Fairness Act of 2026 modifies federal banking law to allow states to opt out of federal interest rate preemption, but only for loans made by financial institutions chartered within that state. The bill amends the Federal Deposit Insurance Act and the Federal Credit Union Act to permit states to adopt laws or voter-approved provisions explicitly rejecting federal interest rate exportation rules for their own state-chartered banks and credit unions. It also repeals Section 525 of the Depository Institutions Deregulation and Monetary Control Act of 1980.
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