Proyectos de ley › 91.ª Asamblea General
Relating to interest rates and charges on regulated loans, and consumer credit transaction service charges
Presentado por el comité Commerce del Senado
Temas:Business & economy
Dónde está ahora
- Hecho: Presentado22 de enero de 2026
- Hecho: Subcomité22 de enero de 2026
- Hecho: Comité del Senado4 de febrero de 2026
- Hecho: Lo aprueba el Senado7 de abril de 202634–11
- Se saltó: Comité de la CámaraSe saltó
- Hecho: Lo aprueba la Cámara12 de marzo de 202662–29
- Hecho: A gobernador(a)2 de mayo de 2026
- Hecho: Firmado como ley2 de mayo de 2026
HF 2329 se hizo ley → La misma legislación se aprobó como HF 2329, así que esta versión se dejó de lado. Ir a HF 2329 ¿Qué es el embudo (funnel)?
Qué contiene
Resumen con IA Under this law, the interest rate for all regulated loans would be set at 3 percent per month. It also changes the rules for service charges on consumer credit transactions, limiting them to 3 percent of the amount financed or $100, whichever is less. Additionally, the state banking superintendent would no longer have the power to investigate loan conditions or change the maximum interest rates. (Todavía no está traducido al español.)1
Lea la explicación oficial (en inglés)
This bill relates to interest rates and charges on regulated loans, and consumer credit transaction service charges. The bill eliminates provisions under current law relating to the superintendent of banking’s investigations of the conditions of regulated loans, and authority to redetermine and refix the maximum rate of interest or charges on regulated loans. The bill eliminates provisions under current law establishing the rate of interest or charges upon the class or classes of regulated loans, and instead sets the rate of interest or charges for all regulated loans at 3 percent per month. Under current law, for a consumer credit transaction, in addition to finance charges, a creditor may contract for and receive a service charge in an amount not to exceed the lesser of 10 percent of the amount financed or $30. Under the bill, such service charge shall not exceed the lesser of 3 percent of the amount financed or $100.
Cambiado después por la enmienda H-8196; vea Enmiendas.
Texto completo del proyecto (en inglés) · Qué cambió antes de aprobarse2
Senate subcommittee
Named January 22, 2026 (as SSB 3065). On January 29, 2026 it recommended amendment and passage.
Three legislators hear a bill first and recommend what the committee should do; it’s the best time to weigh in. How to take part
Lo que cambia del Código de Iowa (Iowa Code)
Cabildeo
3 a favor · 1 en contra · 9 indecisos · Quiénes →
Family tree
Study bill
91st General Assembly