American Lending Fairness Act of 2026
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Summary
This bill amends the Federal Deposit Insurance Act and the Federal Credit Union Act to allow a state to opt out of federal interest rate exportation rules, but only for loans made by institutions chartered in that state. The opt-out takes effect when a state adopts a law or certifies voter approval of a provision explicitly stating this intent. The bill also repeals Section 525 of the Depository Institutions Deregulation and Monetary Control Act of 1980 and applies the new provisions to any state opt-out action taken under that section before enactment.
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