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Read. Follow. Verify.Louisiana raises maximum consumer loan origination fee to $75
Last action · May 27, 2026: Effective date: 08/01/2026.Sponsor: Neil Riser
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What This Bill Does
Louisiana lenders are now permitted to charge up to $75 for s on consumer loans and s, replacing the prior $50 cap, effective August 1, 2026.
Borrowers taking out consumer loans or revolving credit accounts face a potential increase in upfront loan costs, as lenders may now legally charge 50% more in s.
Who It Affects
Groups the bill's text affects, as described in the record. Being affected is not a position for or against it.
lenders
Lenders are permitted to charge higher origination fees up to seventy-five dollars on consumer loans and revolving loan accounts.
consumers obtaining loans or revolving accounts
Borrowers may be charged up to twenty-five dollars more in origination fees when taking out consumer loans or revolving accounts.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
What is the new maximum origination fee lenders can charge?
When does this fee change take effect?
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News Coverage
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Votes, people, money & the original sourceWhere This Stands
Current status: Became law without the governor's signature.
Procedural history
20 actions- May 27, 2026HouseBecomes Act No. 402 without the Governor's signature.
- May 27, 2026HouseEffective date: 08/01/2026.
- May 14, 2026SenateEnrolledSigned by the President of the Senate.
- May 14, 2026HouseSent to the Governor for executive approval.
- May 13, 2026HouseReceived from the Senate without amendments.
- May 13, 2026HouseEnrolledEnrolled and signed by the Speaker of the House.
Show 14 earlier actions
- May 12, 2026SenateFloorRules suspended. Read by title, passed by a vote of 33 yeas and 0 nays, and ordered returned to the House. Motion to reconsider tabled.
- May 4, 2026SenateFloorReported without Legislative Bureau amendments. Read by title and passed to third reading and final passage.
- Apr 29, 2026SenateIntroducedRead by title and referred to the Legislative Bureau.
- Apr 28, 2026SenateCommitteeReported favorably.
- Mar 25, 2026SenateCommitteeRead second time by title and referred to the Committee on Commerce, Consumer Protection and International Affairs.
- Mar 24, 2026HouseFloorRead third time by title, roll called on final passage, yeas 96, nays 0. Finally passed, title adopted, ordered to the Senate.
- Mar 24, 2026SenateReceived in the Senate. Rules suspended. Read first time by title and placed on the Calendar for a second reading.
- Mar 23, 2026HouseScheduled for floor debate on 03/24/2026.
- Mar 18, 2026HouseFloorRead by title, amended, ordered engrossed, passed to 3rd reading.
- Mar 17, 2026HouseReported with amendments (16-0).
- Mar 9, 2026HouseIntroducedRead by title, under the rules, referred to the Committee on Commerce.
- Feb 27, 2026HouseFirst appeared in the Interim Calendar on 2/27/2026.
- Feb 26, 2026HousePrefiled.
- Feb 26, 2026HouseCommitteeUnder the rules, provisionally referred to the Committee on Commerce.
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 →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Connected Entities
Sources
www.legis.la.gov
Analysis Score
0–100- Significance35How much this matters to a regular citizen
- Controversy15Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz20Current news / social attention level
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