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HR1944Referred to Committee

10 Percent Credit Card Interest Rate Cap Act

Share:
Introduced
In Committee
3
Passed One Chamber
4
Passed Both
5
Signed into Law
119th
Congress
2025-03-06
Introduced
1
Cosponsors
HR
ⓘ
Type

Sponsor

Alexandria Ocasio-Cortez
Alexandria Ocasio-Cortez
Democrat · NY · Representative
Votes with party: 96.5% (541 recorded votes)

Full profile: /officials/O000172

Source: Congress.gov · FEC

Cosponsors (1)

Members who have signed on to support this bill since introduction. Source: Congress.gov.

  • Anna Paulina Luna (R-FL-13)Original· 2025-03-06

Latest Action

The most recent step in the bill's legislative path. Committee Activity below shows referrals and reports; the full action-by-action history including floor proceedings lives at Congress.gov →

Referred to the House Committee on Financial Services.

2025-03-06

Source: Congress.gov

Committee Activity

Currently in

  • House Committee on Financial ServicesReferred To · 2025-03-06

Previously

  • Financial Services CommitteeReferred To · 2025-03-06

Plain-English Summary

10 Percent Credit Card Interest Rate Cap Act This bill temporarily caps credit card interest rates at 10%. Creditors that knowingly violate this bill forfeit the entire interest of the debt. The bill also provides a private right of action for debtors to recover interest, finance charges, or fees. The action must be brought within two years of the violation. In addition, violations of this bill are subject to civil liability under the Truth in Lending Act, which is enforced by the Consumer Financial Protection Bureau and the Federal Trade Commission. These changes sunset on January 1, 2031.

Plain-English rewrite of the Congressional Research Service summary published on Congress.gov. Cached and reviewed.

Subjects

Finance and Financial Sector
Full bill text is not yet cached locally.
Open text viewRead on Congress.gov

Related legislation

Bills by the same sponsor or covering overlapping subjects.

  • HR398Geothermal Cost-Recovery Authority Act of 2025
    Reported by Committee · 2026-05-20
  • HR7917Fair Wages for Home Care Workers Act
    Referred to Committee · 2026-03-12