All Roll Calls
Yes: 203 • No: 1
HawaiiSB 13672025–2026 Regular Session (Year 1)SenateWALLET
RELATING TO INSTALLMENT LOANS.
Sponsored By: Ronald D. Kouchi (Democratic)
Signed by Governor
Summary
Clarifies chapter 480J, HRS, regulating installment lenders. Replaces the term "consumer loan" with the defined term "installment loan" for consistency throughout the installment loan chapter. Requires loan maintenance fees to be prorated daily. Allows lenders to charge a convenience fee. 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 6/30/2030. (CD1)
Department of Commerce and Consumer AffairsDivision of Financial InstitutionsInstallment LendersLendersMaintenance FeesConvenience FeesCPC, FIN
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Bill Overview
Analyzed Economic Effects
3 provisions identified: 2 benefits, 0 costs, 1 mixed.
Borrowers can reapply sooner
Starting July 1, 2025, lenders no longer have to wait three days after you pay off an installment loan before making you another loan. A lender still does not have to approve a new loan. This change lasts through June 30, 2030.
More businesses face loan rules
Starting July 1, 2025, Hawaii's installment-lending rules cover certain businesses that arrange loans or act for lenders required to be licensed. For each cash or in-person payment, lenders must give a written receipt showing their name and address, the payment date and amount, and enough information to identify the account. The receipt does not have to show your name. These rules last through June 30, 2030.
Loan fees get daily limits
Starting July 1, 2025, lenders prorate maintenance fees for part of a month using a daily amount. The rate is $0.83 for loans up to $299.99, $1 for loans from $300 to $699.99, and $1.17 for loans of $700 or more. Thirty days count as one month. Lenders may also charge up to $1 for a debit-card payment you choose, but cannot require debit-card payment or charge a fee for a rejected debit payment. These rules last through June 30, 2030.
Sponsors & Cosponsors
Sponsor
Ronald D. Kouchi
Democratic • Senate
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
House vote • 4/30/2025
House Floor Vote
Yes: 49 • No: 0
Senate vote • 4/25/2025
The Conference committee recommends that the measure be PASSED, WITH AMENDMENTS....
Yes: 2 • No: 0
House vote • 4/25/2025
The Conference Committee recommends that the measure be Passed, with Amendments....
Yes: 3 • No: 0
House vote • 4/4/2025
House Floor Vote
Yes: 48 • No: 1
House vote • 3/31/2025
The committee on FIN recommend that the measure be PASSED, UNAMENDED. The votes ...
Yes: 14 • No: 0
House vote • 3/18/2025
Passed Second Reading as amended in HD 1 and referred to the committee(s) on FIN...
Yes: 49 • No: 0
House vote • 3/12/2025
The committee on CPC recommend that the measure be PASSED, WITH AMENDMENTS. The ...
Yes: 8 • No: 0
Senate vote • 3/4/2025
Senate Floor Vote
Yes: 25 • No: 0
Senate vote • 2/14/2025
The committee(s) on CPN recommend(s) that the measure be PASSED, WITH AMENDMENT...
Yes: 5 • No: 0
Actions Timeline
Act 116, 05/29/2025 (Gov. Msg. No. 1216).
5/29/2025SenateAct 116, on 05/29/2025 (Gov. Msg. No. 1216).
5/29/2025HouseReceived notice of passage on Final Reading in House (Hse. Com. No. 821).
5/2/2025SenateEnrolled to Governor.
5/2/2025SenateReceived notice of Final Reading (Sen. Com. No. 888).
5/1/2025HousePassed Final Reading, as amended (CD 1). Ayes, 25; Aye(s) with reservations: none . 0 No(es): none. 0 Excused: none.
4/30/2025SenatePassed Final Reading as amended in CD 1 with none voting aye with reservations; none voting no (0) and Representative(s) Cochran, Pierick excused (2).
4/30/2025HouseThe Conference committee recommends that the measure be PASSED, WITH AMENDMENTS. The votes of the Senate Conference Managers were as follows: 2 Aye(s): Senator(s) Fukunaga, Richards; Aye(s) with reservations: none ; 0 No(es): none; and 1 Excused: Senator(s) Awa.
4/25/2025SenateThe Conference Committee recommends that the measure be Passed, with Amendments. The votes were as follows: 3 Ayes: Representative(s) Matayoshi, Takenouchi, Pierick; Ayes with reservations: none; 0 Noes: none; and 0 Excused: none.
4/25/2025HouseReported from Conference Committee as amended CD 1 (Conf. Com. Rep. No. 148).
4/25/2025Senate48 Hrs. Notice (as amended CD 1) 04-30-25.
4/25/2025SenateReported from Conference Committee (Conf Com. Rep. No. 148) as amended in (CD 1).
4/25/2025HouseForty-eight (48) hours notice Wednesday, 04-30-25.
4/25/2025HouseConference committee meeting to reconvene on 04-25-25 1:30PM; Conference Room 224.
4/24/2025SenateConference Committee Meeting will reconvene on Thursday 04-24-25 1:30PM in conference room 224.
4/23/2025HouseConference committee meeting scheduled for 04-23-25 1:40PM; Conference Room 224.
4/22/2025SenateSenate Conferees Appointed: Fukunaga Chair; Richards Co-Chair; Awa.
4/21/2025SenateReceived notice of Senate conferees (Sen. Com. No. 848).
4/21/2025HouseReceived notice of appointment of House conferees (Hse. Com. No. 731).
4/15/2025SenateHouse Conferees Appointed: Matayoshi, Takenouchi Co-Chairs; Pierick.
4/14/2025HouseReceived from House (Hse. Com. No. 606).
4/8/2025SenateSenate disagrees with House amendments.
4/8/2025SenateReceived notice of disagreement (Sen. Com. No. 774).
4/8/2025HouseReported from FIN (Stand. Com. Rep. No. 1955), recommending passage on Third Reading.
4/4/2025HousePassed Third Reading with none voting aye with reservations; Representative(s) Amato voting no (1) and Representative(s) Cochran, Kapela excused (2). Transmitted to Senate.
4/4/2025House
Bill Text
Bill Text
Original
SB1367_CD1
SB1367_HD1
SB1367_SD1
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