Kidney Care Access Protection Act

Senate Bill

S. 2730

119th Congress

Kidney Care Access Protection Act

In Committee

Introduced:Sep 8, 2025

Primary Sponsor

Richard Durbin

D - IL

Cosponsors

3

Quick Stats

Policy Area

Finance and Financial Sector

Summary

This bill aims to protect consumers from high credit card fees and interest rates by capping them at 36%. It would also require credit card bills to clearly display the fee and interest rate, labeled as 'FAIR', rather than just the annual percentage rate (APR).

Latest Action

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Introduced9/8/2025

StatusRead twice and referred to the Committee on Finance.

ChamberSenate

Data from Congress.gov

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Vote Prediction

Kidney Care Access Protection Act

This bill aims to protect consumers from high credit card fees and interest rates by capping them at 36%. It would also require credit card bills to clearly display the fee and interest rate, labeled as 'FAIR', rather than just the annual percentage rate (APR)

Community Breakdown

Pass

0%

Fail

0%

0 predictions

This bill aims to protect consumers from high credit card fees and interest rates by capping them at 36%. It would also require credit card bills to clearly display the fee and interest rate, labeled as 'FAIR', rather than just the annual percentage rate (APR).

Bill Number: 2730
Introduced: 9/8/2025
Status: Read twice and referred to the Committee on Finance.
Policy Area: Finance and Financial Sector

Data from Congress.gov

AI-generated summary

Fact Sheet

Title: Kidney Care Access Protection Act
Bill Number: 2730
Sponsor: No sponsor
Status: Read twice and referred to the Committee on Finance.
Introduced: 9/8/2025
Summary: This bill aims to protect consumers from high credit card fees and interest rates by capping them at 36%. It would also require credit card bills to clearly display the fee and interest rate, labeled as 'FAIR', rather than just the annual percentage rate (APR).

Data from Congress.gov

AI Summary

Plain-English explanation of this bill

This bill aims to protect consumers from high credit card fees and interest rates by capping them at 36%. It would also require credit card bills to clearly display the fee and interest rate, labeled as 'FAIR', rather than just the annual percentage rate (APR).

Last updated: 12/30/2025

Official Summary

Congressional Research Service summary

Protecting Consumers from Unreasonable Credit Rates Act of 2023This bill prohibits a creditor from extending credit to a consumer under an open end consumer credit plan (i.e., credit card) for which the fee and interest rate exceeds 36%. The bill also sets forth criminal penalties for violations and empowers state Attorneys General to enforce the bill.Credit card billing statements must include the fee and interest rate, displayed as FAIR, instead of the total finance charge expressed as an annual percentage rate (APR).

Key Points

Main provisions of the bill

Caps credit card fees and interest rates at 36%
Requires credit card bills to show the fee and interest rate, labeled as 'FAIR', instead of just the APR
Imposes criminal penalties for violations
Empowers state Attorneys General to enforce the bill

How This Impacts Americans

Potential effects on citizens and communities

This bill would primarily impact credit card users, especially those with high-interest cards or those who struggle to pay their bills. If passed, it could lower the cost of borrowing for many consumers and make credit card terms more transparent. The bill would also affect credit card companies, potentially limiting their ability to charge high fees and interest rates.

Policy Areas

Primary Policy Area

Finance and Financial Sector

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

2730, 119th Congress (2025). "Kidney Care Access Protection Act". Source: Voter's Right Platform. https://votersright.org/bills/118-s-2730

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