119th Congress · introduced in the House · Mar 9, 2026
American Lending Fairness Act of 2026
Official title from Congress.gov
Latest action (Sep 16, 2026): Ordered to be Reported (Amended) by the Yeas and Nays: 31 - 18.
View on Congress.govPolicy area: Finance and Financial Sector
No official summary has been published for this bill.
Includes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
No recorded roll calls on this bill in coverage.
Ordered to be Reported (Amended) by the Yeas and Nays: 31 - 18.
Committee Consideration and Mark-up Session Held
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Actions from Congress.gov, newest first.
Financial services and investments · Interest, dividends, interest rates · State and local government operations
LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsCoverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 24, 2026.
22 citations.
NATIONAL TAXPAYERS UNION · lobbying firm or registrant: NATIONAL TAXPAYERS UNION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Financial Institutions/Investments/Securities
$30,000
Spent on own lobbying
HR 7866American Lending Fairness Act HR 10184Consumer Financial Protection Accountability and Reform Act Credit Card Competition Act Credit Scoring S 875FIRM Act Deban…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP · lobbying firm or registrant: CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Banking
$70,000
Spent on own lobbying
H.R. 7866 - American Lending Fairness Act of 2026, concerning state authority to apply interest-rate limits to loans by out-of-state state-chartered banks. H.R. 10184 -…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$3,100,000
Spent on own lobbying
…Act H.R. 9471/S. 4942, the Secure and Fair Enforcement Banking Act (SAFE Banking Act) of 2026 H.R. 8395, the Payments Access and Consumer Efficiency (PACE) Act H.R. 7866 / S. 3889, American Lending Fairness Act of 2026 H.R. 9668, the Safeguarding Transactions to Outpace Predatory (STOP) Senior Fraud Act
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FINTECH COUNCIL · lobbying firm or registrant: AMERICAN FINTECH COUNCIL
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$120,000
Spent on own lobbying
…to bank-fintech partnerships. H.R. 6955 - Main Street Capital Access Act: provisions from proposed bills H.R. 940, H.R. 2702, H.R. 4437, H.R. 5317 and S. 875. H.R. 7866 / S. 3889 - American Lending Fairness Act of 2026: provisions related to lending. H.R. 7892 / S. 4428 - No Aid for Ghost Students Act of 2026: provisions relat…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
SLM CORPORATION · lobbying firm or registrant: SLM CORPORATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$220,000
Spent on own lobbying
…ning to industrial loan companies; S. 4097, The State-Based Education Loan Awareness Act; S. 4943, The Outcomes-Based Financing (OBF) for Students Act.S.4195 & H.R. 7866, The American Lending Fairness Act (all provisions); S. 3734, The Close the Shadow Banking Loophole Act (all provisions).
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AFFIRM, INC. · lobbying firm or registrant: INVARIANT LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$60,000
Paid to lobbying firm
Educate policymakers on bank charters including industrial loan company (ILC) de novo charters. Monitor state-chartered banking issues, including H.R. 7866/S.3889, the American Lending Fairness Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION OF INDUSTRIAL BANKERS · lobbying firm or registrant: ERIS GROUP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$30,000
Paid to lobbying firm
FDIC approval process for insuring de novo banks. Issues affecting brokered deposits. Chartering of de novo banks. H.R.7866, American Lending Fairness Act of 2026, all provisions. S.3889, American Lending Fairness Act of 2026, all provisions.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
BREAD FINANCIAL (FKA ALLIANCE DATA SYSTEMS CORPORATION) · lobbying firm or registrant: CGCN GROUP, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Banking
$40,000
Paid to lobbying firm
…es related to corporate tax matters, regulation and legislation related to credit cards and telecommunications. S.3889 - American Lending Fairness Act of 2026. H.R. 7866 - American Lending Fairness Act of 2026.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA · lobbying firm or registrant: AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICAS CREDIT UNIONS
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 14, 2026 · issue area: Banking
$1,060,000
Spent on own lobbying
…ort Community Bank Regulatory Tailoring Act (H.R. 7056) Support Close the Shadow Banking Loophole Act (S. 3734) Support American Lending Fairness Act (S. 3889; H.R. 7866) Support Community Bank Relief Act (S. 3849; H.R. 7484) Support Access to Fair Financing for Opportunity and Resilient Development Act (Senate Amendments 4354,…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
BREAD FINANCIAL PAYMENTS, INC. · lobbying firm or registrant: HOLLAND & KNIGHT LLP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 4, 2026 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
Consumer finance; H.R. 7866 - the American Lending Fairness Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
TOYOTA MOTOR NORTH AMERICA INC (TMA) · lobbying firm or registrant: TOYOTA MOTOR NORTH AMERICA, INC. (TMA)
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$1,930,500
Spent on own lobbying
American Lending Fairness Act (S 3889) American Lending Fairness Act (HR 7866)
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FINTECH COUNCIL · lobbying firm or registrant: AMERICAN FINTECH COUNCIL
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$110,000
Spent on own lobbying
…to bank-fintech partnerships. H.R. 6955 - Main Street Capital Access Act: provisions from proposed bills H.R. 940, H.R. 2702, H.R. 4437, H.R. 5317 and S. 875. H.R. 7866 / S.3889 - American Lending Fairness Act of 2026: provisions related to lending. H.R. 8278 - Fostering the Use of Technology to Uphold Regulatory Effectiveness…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION OF INDUSTRIAL BANKERS · lobbying firm or registrant: ERIS GROUP
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$34,500
Paid to lobbying firm
FDIC approval process for insuring de novo banks. Issues affecting brokered deposits. Chartering of de novo banks. H.R.7866, American Lending Fairness Act of 2026, all provisions. S.3889, American Lending Fairness Act of 2026, all provisions.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CONSUMER BANKERS ASSOCIATION · lobbying firm or registrant: CONSUMER BANKERS ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 19, 2026 · issue area: Banking
$1,030,000
Spent on own lobbying
…ition Act of 2026 H.R.7548 - Safeguarding Consumers from Advertising Misconduct Act (SCAM Act) H.R.7588 - Eliminating Fraud in the CFPBs Complaint Database Act H.R.7866 - American Lending Fairness Act of 2026 H.R.8671 - Bank Fraud Technology Advancement Act of 2026 H.R. ____- a bill to require the Federal financial institution…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
BREAD FINANCIAL (FKA ALLIANCE DATA SYSTEMS CORPORATION) · lobbying firm or registrant: CGCN GROUP, LLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 19, 2026 · issue area: Banking
$40,000
Paid to lobbying firm
…es related to corporate tax matters, regulation and legislation related to credit cards and telecommunications. S.3889 - American Lending Fairness Act of 2026. H.R. 7866 - American Lending Fairness Act of 2026.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA · lobbying firm or registrant: AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICAS CREDIT UNIONS
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 17, 2026 · issue area: Banking
$1,290,000
Spent on own lobbying
…ort Community Bank Regulatory Tailoring Act (H.R. 7056) Support Close the Shadow Banking Loophole Act (S. 3734) Support American Lending Fairness Act (S. 3889; H.R. 7866) Support Community Bank Relief Act (S. 3849; H.R. 7484) Support Access to Fair Financing for Opportunity and Resilient Development Act (Senate Amendments 4354,…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
BREAD FINANCIAL PAYMENTS, INC. · lobbying firm or registrant: HOLLAND & KNIGHT LLP
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 8, 2026 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
Consumer finance; H.R. 7866 - the American Lending Fairness Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FINTECH COUNCIL · lobbying firm or registrant: AMERICAN FINTECH COUNCIL
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Financial Institutions/Investments/Securities
$70,000
Spent on own lobbying
…to bank-fintech partnerships. H.R. 6955 - Main Street Capital Access Act: provisions from proposed bills H.R. 940, H.R. 2702, H.R. 4437, H.R. 5317 and S. 875. H.R. 7866 / S.3889 - American Lending Fairness Act of 2026: provisions related to lending. S. 3721 - Empowering States Rights To Protect Consumers Act of 2026: provision…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
NATIONAL ASSOCIATION OF INDUSTRIAL BANKERS · lobbying firm or registrant: ERIS GROUP
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 19, 2026 · issue area: Banking
$34,500
Paid to lobbying firm
FDIC approval process for insuring de novo banks. Issues affecting brokered deposits. Chartering of de novo banks. H.R.7866, American Lending Fairness Act of 2026, all provisions. S.3889, American Lending Fairness Act of 2026, all provisions.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
BREAD FINANCIAL (FKA ALLIANCE DATA SYSTEMS CORPORATION) · lobbying firm or registrant: CGCN GROUP, LLC
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 18, 2026 · issue area: Banking
$40,000
Paid to lobbying firm
…es related to corporate tax matters, regulation and legislation related to credit cards and telecommunications. S.3889 - American Lending Fairness Act of 2026. H.R. 7866 - American Lending Fairness Act of 2026.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
BREAD FINANCIAL PAYMENTS, INC. · lobbying firm or registrant: HOLLAND & KNIGHT LLP
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 17, 2026 · issue area: Financial Institutions/Investments/Securities
$20,000
Paid to lobbying firm
Consumer finance; H.R. 7866 - the American Lending Fairness Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA · lobbying firm or registrant: AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICAS CREDIT UNIONS
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 14, 2026 · issue area: Banking
$1,130,000
Spent on own lobbying
…ort Community Bank Regulatory Tailoring Act (H.R. 7056) Support Close the Shadow Banking Loophole Act (S. 3734) Support American Lending Fairness Act (S. 3889; H.R. 7866) Support Community Bank Relief Act (S. 3849; H.R. 7484) Support Access to Fair Financing for Opportunity and Resilient Development Act (Senate Amendments 4354,…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing