To amend the Truth in Lending Act to include buy now, pay later loans and issuers of such loans in the definition of credit card and credit issuer, respectively, and for other purposes.

Daniel S. Goldman

Democrat · NY · Representative

Source: Congress.gov · FEC

No cosponsors on record. Bills can pass without cosponsors — this often means the sponsor introduced the bill alone, either because it's a messaging bill, a chairman's mark, or simply early in the legislative cycle.

Referred to the House Committee on Financial Services.

2026-06-11

Source: Congress.gov

The proposal would expand federal credit card rules to cover "buy now, pay later" services, which let shoppers split purchases into installments without paying upfront. This would require companies offering these payment plans to follow the same consumer protections and disclosure requirements as traditional credit card companies, including clear information about fees and interest rates. The change would affect both the companies providing these services and consumers who use them to make purchases.

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