# 119-s-2352: PROTECTED Act

119-s-2352, PROTECTED Act, is a 119th Congress bill sponsored by Sen. Britt, Katie Boyd [R-AL] (R-AL); status introduced; PRIA reads it as touching household money (as of 2026-09-26).

- Canonical: https://policyrisk.com/legislation/119-s-2352
- As of: 2026-09-26
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-2352
- Congress: 119
- Title: PROTECTED Act
- Status: introduced
- Introduced: 2025-07-17
- Sponsor: Sen. Britt, Katie Boyd [R-AL] (R-AL)
- Cosponsors: 1
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-26

## Summary

**Would require applicant-provided demographic data for small-business loan reporting and add privacy and procedural limits.** - Small-business applicants: Lenders would have to provide written notice that the Bureau of Consumer Financial Protection (CFPB) requests demographic information, that responding is voluntary, and that answers will not affect credit decisions. - Covered lenders and firms: Only entities that originated at least 2,500 small-business credit transactions in each of the previous two years would be covered. Small business is defined as firms with gross annual revenues of $1 million or less, and institutions with under $10 billion in assets plus certain Farm Credit, community development, and equipment or vehicle lenders are excluded. - Rulemaking and privacy safeguards: The Bureau must issue notice-and-comment rules before deleting or modifying collected data and explain how changes advance privacy. The bill bars assigning demographic traits based on visual observation, prohibits using response rates to show compliance, creates a two-year safe harbor before enforcement, and ties the effective date to three years after the Bureau completes required cost and paperwork analyses.

## Cosponsors (1)

- Sen. Boozman, John [R-AR] (R-AR), 2025-07-17T00:00:00.000Z

## Provisions PRIA read

- New data rules for small-business loans: benefit, low. This bill would change how lenders collect and report small-business applicant data. It would require lenders to give a written notice that the CFPB requires collection and annual reporting. The notice would say answers are voluntary and will not affect credit decisions. Lenders could not keep demo…

## Related bills

- 119-s-5526: Agricultural Act of 2026
- 119-s-4744: Take Care of America’s Veterans Act
- 119-s-1748: Kids Online Safety Act
- 119-s-1541: SHIPS for America Act of 2025
- 119-s-3492: Essential Caregivers Act of 2025
- 119-s-292: Educational Choice for Children Act of 2025

## Sources
- [119-s-2352 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/2352)

## Related
- [119-s-5526: Agricultural Act of 2026](https://policyrisk.com/legislation/119-s-5526)
- [119-s-4744: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-s-4744)
- [119-s-1748: Kids Online Safety Act](https://policyrisk.com/legislation/119-s-1748)
- [119-s-1541: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-s-1541)
- [119-s-3492: Essential Caregivers Act of 2025](https://policyrisk.com/legislation/119-s-3492)
- [119-s-292: Educational Choice for Children Act of 2025](https://policyrisk.com/legislation/119-s-292)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-2352 (as of 2026-09-26).