H.R. 4999: SAFE Lending Act of 2018

115th Congress · introduced 2018-02-13 · Finance and Financial Sector · Latest: Referred to the House Committee on Financial Services.

federal

Follow this bill, step by step

Where it came from: introduced 2018-02-13 · official record
Who proposed it: Rep. Bonamici, Suzanne [D-OR-1] · what a sponsor is
What happened next: no floor votes in our records yet. Why?
Where it stands now: Referred to the House Committee on Financial Services. Not final yet: this can still change. We check for updates every day.
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

SAFE Lending Act of 2018

Plain summary

Stopping Abuse and Fraud in Electronic Lending Act of 2018 or the SAFE Lending Act of 2018 This bill amends the Electronic Fund Transfer Act and the Truth in Lending Act. The bill revises requirements related to consumer financial protection and small-dollar lending, including matters concerning remotely created checks, electronic fund transfers, registration of small-dollar lenders, overdraft fees, and the collection of personal information.

Congressional Research Service summary (Introduced in House), 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

SAFE Lending Act of 2018

Source: Congressional Research Service summary (Introduced in House)

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The strongest published arguments

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

Officials and money

Sponsor: Rep. Bonamici, Suzanne [D-OR-1] · 19 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Judy Chu (D-CA), Rosa L. DeLauro (D-CT), Pramila Jayapal (D-WA), Eleanor Holmes Norton (D-DC), Jamie Raskin (D-MD), Janice D. Schakowsky (D-IL), James P. McGovern (D-MA), Ro Khanna (D-CA), John Garamendi (D-CA), Bennie G. Thompson (D-MS), Mark Takano (D-CA), Debbie Wasserman Schultz (D-FL), Donald S. Beyer, Jr. (D-VA), James E. Clyburn (D-SC)

Sponsor's campaign money: Rep. Bonamici, Suzanne [D-OR-1] reported raising $1.0 million (2025–2026). Details. Shown for context only; it does not mean any donor supported this bill.

No linked floor roll calls in our collected records yet. This does not mean the bill has never had a vote. Check the official bill history.

Words on this page, explained (1)

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).

Plain meanings written from linked sources. All words.

Sources

Congressional Research Service summary (Introduced in House)
Congress.gov
Data: GovInfo BILLSTATUS bulk data (Library of Congress), BILLSTATUS-115hr4999.xml <https://www.govinfo.gov/bulkdata/BILLSTATUS/115/hr>

Record fed-us-cong115-hr4999 · catalog fed-us-congress-bills-cong115 · updated 2026-11-15 by psicol fed-bills-cong115