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H.R. 3299: Protecting Consumers' Access to Credit Act of 2017

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H.R. 3299: Protecting Consumers' Access to Credit Act of 2017

115th Congress · introduced 2017-07-19 · Finance and Financial Sector · Latest: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

federal

Follow this bill, step by step

  1. Where it came from: introduced 2017-07-19 · official record
  2. Who proposed it: Rep. McHenry, Patrick T. [R-NC-10] · what a sponsor is
  3. What happened next: 1 recorded vote in our records. Latest: House roll call 78 (2018): On Passage, HR3299 (2018-02-14), Passed. See all
  4. Where it stands now: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. Not final yet: this can still change. We check for updates every day.
  5. If it becomes law and spends money: follow the money to money laws, then agencies and contracts and grants.

What does this mean?

Official title

Protecting Consumers' Access to Credit Act of 2017

Plain summary

(This measure has not been amended since it was introduced. The expanded summary of the House reported version is repeated here.) Protecting Consumers' Access to Credit Act of 2017 (Sec. 3) This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.

Congressional Research Service summary (Passed House without amendment), quoted unchanged (nonpartisan). Read the source.

What a vote does

A “Yea” vote

If it passes both chambers and is signed, it becomes law.

A “Nay” vote

If it is not passed, current law stays as it is.

PSI Sci description of the legislative step (not an opinion).

What does this mean? (plain words)

Official text

Protecting Consumers' Access to Credit Act of 2017

Source: Congressional Research Service summary (Passed House without amendment)

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The strongest published arguments

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Alternatives

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How did my representative vote? · This bill's floor votes

Officials and money

Sponsor: Rep. McHenry, Patrick T. [R-NC-10] · 3 cosponsors

Cost estimate: CBO cost estimate: H.R. 3299, Protecting Consumers’ Access to Credit Act of 2017 (2018-01-12)

Cosponsors on this site

Gregory W. Meeks (D-NY), Gwen Moore (D-WI)

Recorded votes

Words on this page, explained (2)
Bill
A proposed law. It becomes law only if it passes the legislature and is signed by the president or governor (or a veto is overridden).
Statute
A written law passed by a legislature. A statute can be changed by a later law; changing a constitution needs an amendment.

Plain meanings written from linked sources. All words.

Sources

Record fed-us-cong115-hr3299 · catalog fed-us-congress-bills-cong115 · updated 2026-11-15 by psicol fed-bills-cong115