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© 2026 Govwatch

S3721Referred to Committee

Empowering States' Rights To Protect Consumers Act of 2026

Share:
Introduced
In Committee
3
Passed One Chamber
4
Passed Both
5
Signed into Law
119th
Congress
2026-01-29
Introduced
3
Cosponsors
S
ⓘ
Type

Sponsor

Sheldon Whitehouse
Sheldon Whitehouse
Democrat · RI · Senator
Votes with party: 60.7% (318 recorded votes)

Full profile: /officials/W000802

Source: Congress.gov · FEC

Cosponsors (3)

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

  • Elizabeth Warren (D-MA)Original· 2026-01-29
  • Jack Reed (D-RI)Original· 2026-01-29
  • Jeff Merkley (D-OR)Original· 2026-01-29

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 →

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

2026-01-29

Source: Congress.gov

Plain-English Summary

This bill would allow individual states to set their own financial regulations and consumer protections rather than having the federal government create uniform rules across the country. Banks, credit card companies, and other financial institutions would need to comply with different state requirements depending on where they operate. The change could give states more control over protecting their residents from financial fraud and unfair lending practices, though it might also create confusion and higher costs for companies doing business in multiple states.

AI-assisted summary generated from the official bill metadata (title, subjects, actions) sourced from Congress.gov. Cached and reviewed. Always verify against the official text linked below.

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.

  • S4571Tropospheric Ozone Research Act of 2026
    Referred to Committee · 2026-05-19
  • SJRES155A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Fair Credit Reporting Act; Preemption of State Laws".
    Referred to Committee · 2026-05-13
  • SJRES188A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Environmental Protection Agency relating to "National Emission Standards for Hazardous Air Pollutants: Coal- and Oil-Fired Electric Utility Steam Generating Units: Final Repeal".
    Referred to Committee · 2026-05-12
  • S4404No Passes for Polluters Act of 2026
    Referred to Committee · 2026-04-27