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HB545 • 2026

FEES/LICENSES/PERMITS: Changes fees charged by lenders

FEES/LICENSES/PERMITS: Changes fees charged by lenders

Enacted

This bill passed the Legislature and reached final enactment based on the latest official action.

Sponsor
Neil Riser
Last action
2026-05-27
Official status
Became law without the Governor's signature - Act 402
Effective date
Not listed

Plain English Breakdown

The official source material does not provide specific details about the requirements for lenders to follow these rules, nor does it explicitly state that other types of fees are unaffected beyond origination fees.

Changes to Lender Fees

This act changes the maximum origination fee that lenders can charge on consumer loans and revolving accounts.

What This Bill Does

  • Increases the maximum origination fee a lender can charge from $50 to $75 for new consumer loans or revolving loan accounts.

Who It Names or Affects

  • Lenders who give out consumer loans and manage revolving accounts in Louisiana.
  • People who take out new consumer loans or open new revolving loan accounts after August 1, 2026.

Terms To Know

Origination fee
A one-time charge by a lender when you get a new loan or credit account.
Revolving account
An account like a credit card where you can borrow money up to a certain limit and pay it back over time.

Limits and Unknowns

  • The act only changes the origination fee limits; other fees are not affected.
  • It is unclear if existing loans or accounts will be impacted by this change.

Amendments

These notes stay tied to the official amendment files and metadata from the legislature.

Adopted

Plain English: HCAHB545 4875 1852 HOUSE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by House Committee on Commerce to Original House Bill No.

  • HCAHB545 4875 1852 HOUSE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by House Committee on Commerce to Original House Bill No.
  • 545 by Representative Riser 1 AMENDMENT NO.
  • 1 2 On page 1, line 2, change "R.S.
  • 9:3519(A) and 3530(A)(1)," to "R.S.
Draft

Plain English: HCAHB545 4875 1805 HOUSE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by House Committee on Commerce to Original House Bill No.

  • HCAHB545 4875 1805 HOUSE COMMITTEE AMENDMENTS 2026 Regular Session Amendments proposed by House Committee on Commerce to Original House Bill No.
  • 545 by Representative Riser 1 AMENDMENT NO.
  • 1 2 On page 1, line 2, change "R.S.
  • 9:3519(A) and 3530(A)(1)," to "R.S.

Bill History

  1. 2026-05-27 H

    Effective date: 08/01/2026.

  2. 2026-05-27 H

    Becomes Act No. 402 without the Governor's signature.

  3. 2026-05-14 H

    Sent to the Governor for executive approval.

  4. 2026-05-14 S

    Signed by the President of the Senate.

  5. 2026-05-13 H

    Enrolled and signed by the Speaker of the House.

  6. 2026-05-13 H

    Received from the Senate without amendments.

  7. 2026-05-12 S

    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.

  8. 2026-05-04 S

    Reported without Legislative Bureau amendments. Read by title and passed to third reading and final passage.

  9. 2026-04-29 S

    Read by title and referred to the Legislative Bureau.

  10. 2026-04-28 S

    Reported favorably.

  11. 2026-03-25 S

    Read second time by title and referred to the Committee on Commerce, Consumer Protection and International Affairs.

  12. 2026-03-24 S

    Received in the Senate. Rules suspended. Read first time by title and placed on the Calendar for a second reading.

  13. 2026-03-24 H

    Read third time by title, roll called on final passage, yeas 96, nays 0. Finally passed, title adopted, ordered to the Senate.

  14. 2026-03-23 H

    Scheduled for floor debate on 03/24/2026.

  15. 2026-03-18 H

    Read by title, amended, ordered engrossed, passed to 3rd reading.

  16. 2026-03-17 H

    Reported with amendments (16-0).

  17. 2026-03-09 H

    Read by title, under the rules, referred to the Committee on Commerce.

  18. 2026-02-27 H

    First appeared in the Interim Calendar on 2/27/2026.

  19. 2026-02-26 H

    Under the rules, provisionally referred to the Committee on Commerce.

  20. 2026-02-26 H

    Prefiled.

Official Summary Text

FEES/LICENSES/PERMITS: Changes fees charged by lenders

Current Bill Text

Read the full stored bill text 
ENROLLED
ACT No. 4022026 Regular Session
HOUSE BILL NO. 545
BY REPRESENTATIVE RISER
1 AN ACT
2 To amend and reenact R.S. 9:3530(A)(1), relative to maximum charges by lenders; to
3 provide for maximum origination fees on a consumer loan or revolving account; and
4 to provide for related matters.
5 Be it enacted by the Legislature of Louisiana:
6 Section 1. R.S. 9:3530(A)(1) is hereby amended and reenacted to read as follows:
7 §3530. Fees; origination; notary, documentation; over-the-credit-limit fee
8 A.(1) A lender may charge an origination fee that does not exceed fifty
9 seventy-five dollars on a consumer loan or revolving loan account.
10 * * *
SPEAKER OF THE HOUSE OF REPRESENTATIVES
PRESIDENT OF THE SENATE
GOVERNOR OF THE STATE OF LOUISIANA
APPROVED:
Page 1 of 1
CODING: Words in struck through type are deletions from existing law; words underscored
are additions.