Relating To Installment Loans.
Last status update Jan 23, 2025
What this measure contains
Replaces the term "consumer loan" with the defined term "installment loan" for consistency throughout the installment loan chapter. Clarifies who is subject to the installment loan chapter. Requires loan maintenance fees to be prorated daily. Allows lenders to charge a convenience fee of up to $5 for debit card payments. Requires paper receipts only for in-person or cash payments and removes consumer names from receipts. Repeals the requirement for lenders to wait three days after a consumer fully repays a loan before issuing a new installment loan. Sunsets 6/30/2028. Effective 7/1/3000. (HD1)
Source summary of the imported measure. Amendments can change the wording; read a specific version for its complete provisions.
Read the full bill at its source ↗Bill text and versions
Drafts can change as a measure moves through the Legislature. Check the version attached to a recorded vote.
- Introduced · Official document ↗· Jan 27, 2025
- Amended · Official document ↗· Feb 10, 2025
Related measures
- HB1048— Carry Over
Related measures may contain different language or follow different histories.
Legislative path
Each stage below is a recorded decision from the official measure history, attached to the draft it considered. A member's row follows their votes from the first draft to the latest, and a highlighted vote marks where it changed. Committee and conference votes list every member by name. Floor votes list only exceptions; members serving that day who aren't named are shown as ayes in a dashed outline.
- Introduced
- HD1by CPC
Companion measure: HB1048. A companion follows its own path; its votes are not combined with this one.
Decision stages
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House CPC committee on the introduced draft: Passed, with amendments, reported as HD1
8 aye · 0 no · 2 excused
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House second reading on HD1: Passed
49 aye · 0 no · 2 excused
House members along the path
| Member | CPC Introduced | Second reading HD1 | Change along the path |
|---|---|---|---|
| Cory ChunHD-035 | Aye | Aye | |
| Elle CochranHD-014 | Excused | ||
| Linda IchiyamaHD-031 | Aye | Aye | |
| Greggor IlaganHD-004 | Aye | Aye | |
| Kim IwamotoHD-025 | Aye | Aye | |
| Sam KongHD-033 | Excused | Aye | |
| Nicole LowenHD-007 | Excused | Aye | |
| Lisa MartenHD-051 | Aye | Aye | |
| Scot MatayoshiHD-049 | Aye | Aye | |
| Elijah PierickHD-039 | Aye | Aye | |
| Adrian TamHD-024 | Aye | Aye | |
| Gene WardHD-018 | Excused |
39 more House members only counted as floor ayes
| Member | CPC Introduced | Second reading HD1 | Change along the path |
|---|---|---|---|
| David AlcosHD-041 | Aye | ||
| Terez AmatoHD-011 | Aye | ||
| Della au BelattiHD-026 | Aye | ||
| Luke EvslinHD-016 | Aye | ||
| Rachele Fernandez LamosaoSD-019 | Aye | ||
| Diamond GarciaHD-042 | Aye | ||
| Andrew GarrettHD-022 | Aye | ||
| Tina GrandinettiHD-020 | Aye | ||
| Mark HashemHD-019 | Aye | ||
| Daniel HoltHD-028 | Aye | ||
| Ikaika HusseyHD-029 | Aye | ||
| Kirstin KahaloaHD-006 | Aye | ||
| Jeanne KapelaHD-005 | Aye | ||
| Sue Keohokapu-Lee LoyHD-002 | Aye | ||
| Darius KilaHD-044 | Aye | ||
| Lisa KitagawaHD-048 | Aye | ||
| Matthias KuschHD-001 | Aye | ||
| Trish La ChicaHD-037 | Aye | ||
| Mike LeeHD-050 | Aye | ||
| Lauren MatsumotoHD-038 | Aye | ||
| Tyson MiyakeHD-010 | Aye | ||
| Daynette MorikawaHD-017 | Aye | ||
| Chris MuraokaHD-045 | Aye | ||
| Nadine NakamuraHD-015 | Aye | ||
| Ikaika OldsHD-023 | Aye | ||
| Amy PerrusoHD-046 | Aye | ||
| Mahina PoepoeHD-013 | Aye | ||
| Sean QuinlanHD-047 | Aye | ||
| Julie Reyes OdaHD-040 | Aye | ||
| Jackson SayamaHD-021 | Aye | ||
| Garner ShimizuHD-032 | Aye | ||
| Kanani SouzaHD-043 | Aye | ||
| Gregg TakayamaHD-034 | Aye | ||
| Jenna TakenouchiHD-027 | Aye | ||
| David TarnasHD-008 | Aye | ||
| Shirley Ann TemploHD-030 | Aye | ||
| Chris ToddHD-003 | Aye | ||
| Justin WoodsonHD-009 | Aye | ||
| Kyle YamashitaHD-012 | Aye |
Aye named · Aye* with reservations · Aye floor vote, not named as an exception · No · Excused · Changed reversed from the previous vote
Names are matched to legislators only when exactly one person fits; every printed name on this measure was matched. A missing vote means no record was found for that member at that stage, not a no vote. Committee codes follow the Legislature's abbreviations.Official measure history ↗
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Legislative history
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Pending introduction.
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Introduced and Pass First Reading.
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Referred to CPC, FIN, referral sheet 3
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Bill scheduled to be heard by CPC on Tuesday, 02-04-25 2:00PM in House conference room 329 VIA VIDEOCONFERENCE.
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The committee on CPC recommend that the measure be PASSED, WITH AMENDMENTS. The votes were as follows: 8 Ayes: Representative(s) Matayoshi, Chun, Ilagan, Ichiyama, Iwamoto, Marten, Tam, Pierick; Ayes with reservations: none; Noes: none; and 2 Excused: Representative(s) Kong, Lowen.
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Reported from CPC (Stand. Com. Rep. No. 426) as amended in HD 1, recommending passage on Second Reading and referral to FIN.
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Passed Second Reading as amended in HD 1 and referred to the committee(s) on FIN with none voting aye with reservations; none voting no (0) and Representative(s) Cochran, Ward excused (2).
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Carried over to 2026 Regular Session.