Buy Now Pay Later Consumer Protection
Current understanding
To be populated as evidence accumulates.
Evidence log
- 2025-01-09 — ESCRA Act: Parallel consumer-finance reform track: the ESCRA Act (CROA overhaul with payment-after-proof rules and state licensing mandates for credit repair organizations) reflects the same committee-level push toward stricter conduct standards for non-traditional consumer-credit-adjacent services. (novelty: 3)
- 2026-06-30 — STOP Payments Fraud Act of 2026: Parallel consumer-finance committee action: HR9331 (STOP Payments Fraud Act of 2026) was ordered reported as amended by a unanimous 51-0 vote in House Financial Services, part of the same markup cycle advancing BNPL-adjacent consumer protection measures. (novelty: 2)
- 2026-06-30 — Earned Wage Access Consumer Protection Act: Parallel federal consumer-finance track: HR9330 (Earned Wage Access Consumer Protection Act) was ordered reported out of House Financial Services Committee 29-22, signaling committee-level momentum for regulating emerging non-traditional credit-adjacent products alongside BNPL. (novelty: 3)
- 2026-06-11 — Buy Now Pay Later Consumer Protection Act of 2026: HR9275 (Buy Now Pay Later Consumer Protection Act of 2026) introduced in the 119th Congress and referred to the House Committee on Financial Services on 2026-06-11, proposing new federal consumer protections for BNPL products. (novelty: 3)
Open questions
Related
Contributing findings
Equal Credit Opportunity (Regulation B); Special Purpose Credit Programs; Rescission
17-jun-2026
novelty 2
per-area 1
mentions
A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Consumer Financial Protection Circular 2023-01: Unlawful Negative Option Marketing Practices".
13-apr-2026
novelty 2
per-area 2
mentions