Fair Lending for All Act (HR)
January 3, 2025
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Where This Stands
Currently in_committee. The next step in the legislative lifecycle is Floor Vote.
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →The Frame
This bill is in the early stages of the legislative process and has not yet been enacted, meaning no immediate changes to federal lending laws or consumer financial rights have occurred.
Potentially affected actors named in the source documents. Mention is not a position.
House Committee on Financial Services
The committee is responsible for reviewing, debating, and potentially amending the bill.
Current stage: in_committee.
Floor Vote.
Summary
Why It Matters
This bill is in the early stages of the legislative process and has not yet been enacted, meaning no immediate changes to federal lending laws or consumer financial rights have occurred.
Frequently Asked Questions
Is this bill currently law?
What happens next for this bill?
Key Facts
- The bill is designated as an HR (House of Representatives) document.
- The bill has been referred to the House Committee on Financial Services for consideration.
News Coverage
Lobbying Activity
1607 STRATEGIES, LLC
on behalf of American Fintech Council
2026
“Issues related to fintech and banks-as-a-service, earned wage access, fintech legislation, and online lending. Issues related to earned wage access. H.R.940, FAIR Exams Act, all provisions. H.R. 4437, Supervisory Modifications for Appropriate Risk-based Testing Act of 2025 (SMART Act of 2025), all provisions. H.R. 4478, Tailored Regulatory Updates for Supervisory Testing Act of 2025 (TRUST Act of 2025), all provisions.”
1607 STRATEGIES, LLC
on behalf of American Fintech Council
2026
“Issues related to fintech and banks-as-a-service, earned wage access, fintech legislation, and online lending. Issues related to earned wage access. H.R.940, FAIR Exams Act, all provisions. H.R. 4437, Supervisory Modifications for Appropriate Risk-based Testing Act of 2025 (SMART Act of 2025), all provisions. H.R. 4478, Tailored Regulatory Updates for Supervisory Testing Act of 2025 (TRUST Act of 2025), all provisions.”
1607 STRATEGIES, LLC
on behalf of American Fintech Council
2025
“Issues related to fintech and banks-as-a-service, earned wage access, fintech legislation, and online lending. Issues related to earned wage access. H.R.940, FAIR Exams Act, all provisions. H.R. 4437, Supervisory Modifications for Appropriate Risk-based Testing Act of 2025 (SMART Act of 2025), all provisions. H.R. 4478, Tailored Regulatory Updates for Supervisory Testing Act of 2025 (TRUST Act of 2025), all provisions.”
1607 STRATEGIES, LLC
on behalf of American Fintech Council
2025
“Issues related to fintech and banks-as-a-service, earned wage access, fintech legislation, and online lending. H.R.940, FAIR Exams Act, all provisions. H.R. 4437, Supervisory Modifications for Appropriate Risk-based Testing Act of 2025 (SMART Act of 2025), all provisions. H.R. 4478, Tailored Regulatory Updates for Supervisory Testing Act of 2025 (TRUST Act of 2025), all provisions.”
1607 STRATEGIES, LLC
on behalf of American Fintech Council
2025
“Issues related to fintech and banks-as-a-service, earned wage access, fintech legislation, and online lending. H.R.940, FAIR Exams Act, all provisions.”
1607 STRATEGIES, LLC
on behalf of American Fintech Council
2025
“Issues related to fintech and banks-as-a-service, earned wage access, fintech legislation, and online lending. H.R.940, FAIR Exams Act, all provisions.”
1607 STRATEGIES, LLC
on behalf of Cross River Bank
2024
“Issues related to banking and financial services including: securitization, debts, online lending, virtual currency, payments and capital markets. Issues related to Federal Deposit Insurance Corporation rulemaking on brokered deposits. Issues related to the Paycheck Protection Program. Issues related to SBA lending programs. Issues related to standards of third party lending. Issues related to bank examinations. S. 3541, Fair Audits and Inspection for Regulators Exams Act, all provisions. ”
1607 STRATEGIES, LLC
on behalf of Cross River Bank
2023
“Issues related to banking and financial services including: securitization, debts, online lending, virtual currency, payments and capital markets. Issues related to Federal Deposit Insurance Corporation rulemaking on brokered deposits. Issues related to the Paycheck Protection Program. Issues related to SBA lending programs. Issues related to standards of third party lending. Issues related to bank examinations. S. 3541, Fair Audits and Inspection for Regulators Exams Act, all provisions. ”
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Analysis Score
0–100- Significance40How much this matters to a regular citizen
- Controversy10Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz15Current news / social attention level
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