# 119-hr-6891: Buy Now, Pay Later Protection Act of 2025

119-hr-6891, Buy Now, Pay Later Protection Act of 2025, is a 119th Congress bill sponsored by Rep. Ross, Deborah K. [D-NC-2] (D-NC); status introduced; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-6891
- As of: 2026-09-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-6891
- Congress: 119
- Title: Buy Now, Pay Later Protection Act of 2025
- Status: introduced
- Introduced: 2025-12-18
- Sponsor: Rep. Ross, Deborah K. [D-NC-2] (D-NC)
- Cosponsors: 6
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**Would bring buy now, pay later (BNPL) loans under the Truth in Lending Act and federal supervision.** The bill would define BNPL, extend TILA consumer protections and defenses to BNPL borrowers, and require the Bureau of Consumer Financial Protection to issue implementing rules within 1 year. - Households using BNPL would gain the same TILA disclosure rights, legal defenses, and remedies that apply to other consumer credit products. This changes how disputes and borrower protections are handled. - BNPL companies would be subject to federal oversight by the Bureau of Consumer Financial Protection. That makes BNPL lenders follow TILA cross-references and face new compliance and supervision obligations. - The bill would define a BNPL loan as a closed-end consumer loan repaid in not more than four interest-free installments and that imposes no finance charge. The Bureau would be required to write implementing rules within 1 year to align regulations and enforcement.

## Cosponsors (6)

- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2026-01-13T00:00:00.000Z
- Rep. Tlaib, Rashida [D-MI-12] (D-MI), 2026-01-30T00:00:00.000Z
- Rep. Foushee, Valerie P. [D-NC-4] (D-NC), 2026-02-03T00:00:00.000Z
- Rep. Lynch, Stephen F. [D-MA-8] (D-MA), 2026-02-09T00:00:00.000Z
- Rep. Sykes, Emilia Strong [D-OH-13] (D-OH), 2026-04-27T00:00:00.000Z
- Rep. Williams, Nikema [D-GA-5] (D-GA), 2026-06-15T00:00:00.000Z

## Provisions PRIA read

- Federal oversight for BNPL companies: benefit, medium. If enacted, the Consumer Financial Protection Bureau would be able to supervise persons who offer or provide buy now, pay later loans as defined in the Truth in Lending Act. BNPL providers could face CFPB examinations and supervisory requirements. The goal of the oversight would be stronger consume…
- Buy now, pay later protections: benefit, low. If enacted, this bill would add a definition for a buy now, pay later loan. It would treat a BNPL loan as a closed-end retail loan repaid in not more than four interest-free installments that does not impose a finance charge. You would get the same Truth in Lending Act disclosures, defenses, and ac…
- CFPB must write BNPL rules: benefit, low. If enacted, the Consumer Financial Protection Bureau would have to issue rules to carry out the Truth in Lending Act changes for buy now, pay later loans. The Bureau must finish those implementing rules not later than one year after this section's date. The rules would explain how the new TILA prot…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7973: Momnibus Act
- 119-hr-3971: Domestic Workers Bill of Rights Act
- 119-hr-7853: PrEP Access and Coverage Act of 2026
- 119-hr-51: Washington, D.C. Admission Act

## Sources
- [119-hr-6891 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6891)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-3971: Domestic Workers Bill of Rights Act](https://policyrisk.com/legislation/119-hr-3971)
- [119-hr-7853: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-hr-7853)
- [119-hr-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-hr-51)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6891 (as of 2026-09-21).