Louisiana legislation · 2026 Regular Session
Louisiana HB545: FEES/LICENSES/PERMITS: Changes fees charged by lenders
Status: Chaptered, May 27, 2026
What the bill says
An act To amend and reenact R.S. 9:3519(A) and 3530(A)(1), relative to maximum charges by lenders; to provide for maximum loan finance charges for a consumer loan other than a credit card; to provide for maximum origination fees on a consumer loan or revolving account; and to provide for related matters.
From the introduced text:
AN ACT To amend and reenact R.S. 9:3519(A) and 3530(A)(1), relative to maximum charges by lenders; to provide for maximum loan finance charges for a consumer loan other than a credit card; to provide for maximum origination fees on a consumer loan or revolving account; and to provide for related matters. Be it enacted by the Legislature of Louisiana: Section 1. R.S. 9:3519(A) and 3530(A)(1) are hereby amended and reenacted to read as follows: §3519. Consumer loans A. The maximum loan finance charge for any consumer loan other than one made with a lender credit card that may be charged, contracted for or received by a licensed lender or supervised financial organization may equal but not exceed any of the following: (a) Thirty-six percent per year for that portion of the unpaid principal amount of the loan not exceeding one ten thousand four hundred dollars;. (b) Twenty-seven percent per year for that portion of the unpaid principal amount of the loan exceeding one ten thousand four hundred dollars and not exceeding four twenty thousand dollars;. Page 1 of CODING: Words in struck through type are deletions from existing law; words underscored are additions. HLS 26RS-1271 ORIGINAL HB NO. (c) Twenty-four percent per year for that portion of the unpaid principal amount on the loan exceeding four twenty thousand dollars. and …
Sponsors
- Riser, Neil (R, 20) · primary sponsor
Latest actions
- : Effective date: 08/01/2026.
- : Becomes Act No. 402 without the Governor's signature.
- : Sent to the Governor for executive approval.
- : Signed by the President of the Senate.
- : Enrolled and signed by the Speaker of the House.
- : Received from the Senate without amendments.
- : Rules suspended. Read by title, passed by a vote of 33 yeas and 0 nays, and ordered returned to the House. Motion to reconsider tabled.
- : Reported without Legislative Bureau amendments. Read by title and passed to third reading and final passage.
- : Read by title and referred to the Legislative Bureau.
- : Reported favorably.
Votes
- Senate Vote on HB 545, FINAL PASSAGE (#776) (May 12, 2026): 33 yea, 0 nay, passed
- House Vote on HB 545, FINAL PASSAGE (#62) (March 24, 2026): 96 yea, 0 nay, passed
Common questions
- What is HB545?
- HB545 is a bill in the Louisiana Legislature (2026 Regular Session): FEES/LICENSES/PERMITS: Changes fees charged by lenders.
- What does HB545 do?
- In its own words: An act To amend and reenact R.S. 9:3519(A) and 3530(A)(1), relative to maximum charges by lenders; to provide for maximum loan finance charges for a consumer loan other than a credit card; to provide for maximum origination fees on a consumer loan or revolving account; and to provide for related matters.
- What is the status of HB545?
- Chaptered as of May 27, 2026. Latest action: Effective date: 08/01/2026. (May 27, 2026).
- Who sponsored HB545?
- Riser, Neil (R, 20).
- Where is the official record for HB545?
- On the Louisiana Legislature website: https://legis.la.gov/legis/BillInfo.aspx?s=26RS&b=HB545
Source: official Louisiana record. Tracked by Delilah, AI for legislation across all 50 states and Congress.