# Iowa HF 2329: A bill for an act relating to interest rates and charges on regulated loans, and consumer credit transaction service charges. (Formerly HSB 524.) Effective date: 07/01/2026. Iowa HF 2329, A bill for an act relating to interest rates and charges on regulated loans, and consumer credit transaction service charges. (Formerly HSB 524.) Effective date: 07/01/2026., is a 91st General Assembly (2025–2026) House bill sponsored by COMMITTEE ON COMMERCE; status signed, last action 2026-05-02 (Signed by Governor.); PRIA reads it as touching household money (as of 2026-10-18). - Canonical: https://policyrisk.com/state-bill/IA-HF2329-2025-2026 - As of: 2026-10-18 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Iowa HF 2329 - State: Iowa - Session: 91st General Assembly (2025–2026) - Title: A bill for an act relating to interest rates and charges on regulated loans, and consumer credit transaction service charges. (Formerly HSB 524.) Effective date: 07/01/2026. - Status: signed - Chamber: House - Introduced: 2026-02-06 - Last action: 2026-05-02, Signed by Governor. - Sponsor: COMMITTEE ON COMMERCE - Cosponsors: 0 - Touches household money: yes - Roll calls: 3 (124 yes, 103 no in all) - Economic provisions PRIA read: 2 ## Summary No summary available. ## Bill overview: provisions PRIA read - Higher rate cap for Iowa loan borrowers: cost, medium. Beginning July 1, 2026, Iowa lenders can charge up to 3% per month on loans regulated under chapter 536. This replaces tiered monthly caps of 3%, 2%, 1.5%, and 1% on different parts of the unpaid balance. Lenders may charge less than the maximum. Loans made under the amended lending authority must… - Higher or lower credit service fees: mixed, low. Beginning July 1, 2026, Iowa caps consumer credit service charges at the lesser of 3% of the amount financed or $100. The old cap was the lesser of 10% of the amount financed or $30. The maximum fee falls for smaller transactions but rises for transactions over $1,000. Creditors may charge less tha… ## Sponsors and cosponsors - Sponsor: COMMITTEE ON COMMERCE ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-04-07 | Senate | Passed Senate | pass | 34 | 11 | | | 2026-03-12 | legislature | Motion to suspend rules for immediate consideration of amendment H-8199 | fail | 28 | 63 | | | 2026-03-12 | House | Passed House | pass | 62 | 29 | | ## Actions (18) - 2026-05-02: Signed by Governor. (House) - 2026-05-02: Reported correctly enrolled, signed by Speaker and President, and sent to Governor. (House) - 2026-04-07: Message from Senate. (House) - 2026-04-07: Immediate message. (Senate) - 2026-04-07: Passed Senate, yeas 34, nays 11. (Senate) - 2026-04-07: Substituted for SF 2216. (Senate) - 2026-03-19: Placed on calendar under unfinished business. (Senate) - 2026-03-16: Read first time, attached to SF 2216. (Senate) - 2026-03-16: Message from House. (Senate) - 2026-03-12: Immediate message. (House) - 2026-03-12: Passed House, yeas 62, nays 29. (House) - 2026-03-12: Amendment H-8196 adopted. (House) - 2026-03-12: Motion to suspend rules failed. (House) - 2026-03-12: Motion to suspend rules for immediate consideration of amendment H-8199, yeas 28, nays 63. (House) - 2026-03-12: Point of order raised on amendment H-8199, ruled not germane. (House) - 2026-03-11: Amendment H-8199 filed. (House) - 2026-03-10: Amendment H-8196 filed. (House) - 2026-02-06: Introduced, placed on calendar. (House) ## Bill text - As Introduced: [PDF](https://www.legis.iowa.gov/docs/publications/LGI/91/HF2329.pdf) - Enrolled: [PDF](https://www.legis.iowa.gov/docs/publications/LGE/91/HF2329.pdf) ## Related bills - HF 2801: A bill for an act modifying the major economic growth attraction program, and including effective date provisions. (Formerly HSB 785.) Effective date: 10/02/20… (signed) - SF 2472: A bill for an act relating to state and local government taxes, fees, financial authority, and budgets, by modifying property assessment provisions, divisions… (signed) - HF 2601: A bill for an act relating to campaign finance, including participation in ballot issue campaigns by foreign nationals and investigations of election misconduc… (signed) - SF 2399: A bill for an act relating to bail and bond amounts and conditions. (Formerly SSB 3162.) Effective date: 07/01/2026. (signed) - SF 2471: A bill for an act relating to fees for lifetime fur harvester licenses. (Formerly SF 2317, SSB 3121.) Effective date: 07/01/2026. (signed) - SF 2299: A bill for an act relating to the district-to-community college sharing or concurrent enrollment program. (Formerly SF 2176.) Vetoed 6-2-26. (vetoed) ## Sources - [As Introduced (PDF)](https://www.legis.iowa.gov/docs/publications/LGI/91/HF2329.pdf) - [Enrolled (PDF)](https://www.legis.iowa.gov/docs/publications/LGE/91/HF2329.pdf) ## Related - [HF 2801: A bill for an act modifying the major economic growth attraction program, and i…](https://policyrisk.com/state-bill/IA-HF2801-2025-2026) - [SF 2472: A bill for an act relating to state and local government taxes, fees, financial…](https://policyrisk.com/state-bill/IA-SF2472-2025-2026) - [HF 2601: A bill for an act relating to campaign finance, including participation in ball…](https://policyrisk.com/state-bill/IA-HF2601-2025-2026) - [SF 2399: A bill for an act relating to bail and bond amounts and conditions. (Formerly S…](https://policyrisk.com/state-bill/IA-SF2399-2025-2026) - [SF 2471: A bill for an act relating to fees for lifetime fur harvester licenses. (Former…](https://policyrisk.com/state-bill/IA-SF2471-2025-2026) - [SF 2299: A bill for an act relating to the district-to-community college sharing or conc…](https://policyrisk.com/state-bill/IA-SF2299-2025-2026) - [Iowa bills](https://policyrisk.com/states/iowa/bills) - [Iowa state hub](https://policyrisk.com/states/iowa) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/IA-HF2329-2025-2026 (as of 2026-10-18).