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Merkley, Jeff [D-OR]","OR","D","M001176","2026-01-15T17:58:21Z",[],"Senate",119,false,"SAFE Lending Act of 2025","2026-05-11T14:48:58.702Z",[],11,0,2,"s",[],[],"https:\u002F\u002Fwww.congress.gov\u002Fbill\u002F119th-congress\u002Fsenate-bill\u002F780","Finance and Financial Sector",{"date":6,"text":31},"Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.",780,"in_committee","A bill to amend the Truth in Lending Act to address certain issues relating to the extension of consumer credit, and for other purposes.",1,"2026-05-22T15:50:30.751Z","finance and financial sector",[39,40,41,42,43,44,45,46,47,48,49,50,51,52,53,54,55,56,57,58,59,60,61,62,63,64,65,66,67,68,69,70,71,72,73,74,75,76,77,78,79,80,81,82,83,84,85,86,87,88,89,90,91,92,93,94,95,96,97,98,99,100,101,102,103,104,105,106,107,108,109,110,111,112,113,114,115,116,117,118,119,120,121,122,123,124,125,126,127,128,129,130,131,132,133,134],"safe","sa","saf","lending","le","len","lend","lendi","lendin","act","of","2025","20","202","bill","bi","bil","to","amend","am","ame","amen","the","truth","tr","tru","trut","in","address","ad","add","addr","addre","addres","certain","ce","cer","cert","certa","certai","issues","is","iss","issu","issue","relating","re","rel","rela","relat","relati","relatin","extension","ex","ext","exte","exten","extens","extensi","extensio","consumer","co","con","cons","consu","consum","consume","credit","cr","cre","cred","credi","and","for","other","ot","oth","othe","purposes","pu","pur","purp","purpo","purpos","purpose","sen","merkley","me","mer","merk","merkl","merkle","jeff","je","jef","or",[],true,[138],{"versionCode":139,"actionDate":6,"actionDesc":140,"text":141,"updateDate":142},"00","Introduced in Senate","\u003Cp>\u003Cstrong>Stopping Abuse and Fraud in Electronic Lending Act of 2025 or the SAFE Lending Act of 2025\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>This bill creates additional consumer protections applicable to certain credit and banking transactions, including matters concerning remotely created checks, electronic fund transfers, registration of small-dollar lenders, overdraft fees, and the collection of personal information.\u003C\u002Fp>\u003Cp>Under the bill, remotely created checks may only be issued by a person specifically designated in writing by a consumer. The consumer must provide the designation to the consumer's depository institution. (A remotely created check is a check not issued by the bank and not signed by the account owner.)\u003C\u002Fp>\u003Cp>A voluntary agreement to repay a small-dollar consumer credit transaction by an electronic fund transfer is subject to certain protections, including the right of the consumer to stop payment.\u003C\u002Fp>\u003Cp>Small-dollar consumer credit providers must register with the Consumer Financial Protection Bureau. Any small-dollar consumer credit transaction is subject to the laws of the state in which the consumer resides.\u003C\u002Fp>\u003Cp>The bill also prohibits overdraft fees on prepaid accounts.\u003C\u002Fp>","2026-01-15T17:58:07Z",[144,149,153,157,161,165,169,173,177,182,186],{"bioguideId":145,"fullName":146,"party":12,"state":147,"sponsorshipDate":148,"isOriginalCosponsor":18,"withdrawn":18,"sponsorshipWithdrawnDate":3},"L000570","Sen. 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