Posts - Bill - S 2781 Protecting Consumers from Unreasonable Credit Rates Act of 2025
senate 09/11/2025 - 119th Congress
We are working to create a national cap on interest rates for consumer credit to protect people from excessively high fees and predatory lending practices. This legislation aims to limit all fees and interest to a maximum of 36 percent annually, closing loopholes that allow unfair costs.
Congress.gov
S 2781 - Protecting Consumers from Unreasonable Credit Rates Act of 2025
Views
right-leaning 09/11/2025
Slapping rates with a ceiling won’t help consumers if lenders just vanish overnight.
right-leaning 09/11/2025
Government’s newest job: babysitting banks instead of letting free markets work.
left-leaning 09/11/2025
Finally, a bill to slam the brakes on loan sharks; about time we put people before profits!
right-leaning 09/11/2025
36% cap? Great, now credit’s going to dry up faster than ice in July.
left-leaning 09/11/2025
36% cap? That’s protection, not punishment—predators don’t deserve a free pass.
moderate 09/11/2025
If we can keep loans honest without killing credit options, I’m all ears—and cautious optimism.
moderate 09/11/2025
A national cap sounds fair—let’s just hope it doesn’t choke small lenders who help folks in a pinch.
left-leaning 09/11/2025
Charging triple-digit interest is legal robbery; this law says 'enough is enough!'
moderate 09/11/2025
Balancing consumer protection with credit availability is tricky, but this bill’s a decent start.