June 2025

 

Effective State Changes

 

GEORGIA

SB 81 provides new protections for consumer data linked to motor vehicle sales or leases. In addition, the law creates new standards for the use of motor vehicle dealer data collected by third parties or maintained by dealers. Effective July 1, 2025.

 

HAWAII

SB 1367 reorganizes and clarifies a number of provisions of Hawaii’s installment loans law. The law requires the daily proration of maintenance fees for any fraction of a month, allows lenders to charge a $1 convenience fee for accepting debit card payments, and removes the requirement that a lender must wait three days after full repayment to open a new installment loan with the same consumer—amongst other provisions. Effective July 1, 2025.

 

MAINE

LD 68 amends Maine’s tax laws by modifying the watercraft sales tax exemption to not apply to the lease or rental of a watercraft to a nonresident, clarifying the definition of motor vehicle “sales sourced to tribal land”, and specifying the type of property subject to casual rental taxation—amongst other provisions. Effective 90 days after adjournment.

LD 159 provides for an emergency contact space on a motor vehicle registration. Effective 90 days after adjournment.

LD 850 amends current motor vehicle laws in Maine. The bill adds a $1 fee for electronic lien titling transactions, raises the temporary plate fee from $1 to $2, and allows the Secretary of State to adopt new rules in regards to an electronic temporary registration plate program. Effective January 1, 2026.

 

MARYLAND

HB 352 adjusts many of the registration and title fees for vehicles, increases the Motor Vehicle Excise Tax rate for rental and non-rental vehicles, and clarifies the process around vehicle registration renewals. Effective July 1, 2025.

 

MINNESOTA

HF 14 is the State of Minnesota’s Transportation Appropriations bill for fiscal years 2026-2027. Amongst a host of other provisions, this bill allows motor vehicle dealers licensed under contiguous states to be a Minnesota licensed dealer for certain activities. In addition, the bill modifies the surcharge for electric vehicles and establishes a surcharge for plug-in hybrid vehicles  to both be based on vehicle price and age with base minimum fees. Effective dates begin immediately for certain provisions, while others are effective October 1, 2025, or January 1, 2026.

 

NEBRASKA

LB 474 combines Nebraska’s Installment Sales Act and its Installment Loan Act. The new law—the Nebraska Installment Loan and Sales Act—does not change core substantive provisions applicable to retail installment sales or loans. Effective three calendar months after adjournment.

 

NEVADA

Signed into law on June 11, 2025, AB 296 concerns itself with two items: the adoption of digital license plates and the Department of Motor Vehicles’ implementation of this policy, and the use of lenders to offer installment loans to vehicle owners to pay for motor vehicle registration fees and taxes through a Department-affiliated website. Such lenders are not allowed to charge more than fifteen percent of the amount financed and the amount financed must be $250 or more. Effective immediately.

SB 194 concerns itself with short-term vehicle leases. The bill will now require short-term lessors check and make sure a minimum level of insurance is in place before leasing a vehicle. In addition, the bill will now allow short-term lessors to sell temporary policies of insurance. Effective October 1, 2025.

SB 437 allows an internet consumer lender without a physical address within Nevada to apply for a Nevada lending license. Additionally, the bill requires internet consumer lenders to apply Nevada law to Nevadan borrowers and resolve any dispute in state. Effective October 1, 2025.

 

OREGON

HB 3875 will now apply the Oregon Consumer Privacy Act to motor vehicle manufacturers and affiliates. This bill applies the Privacy Act to any party that controls or processes personal data from a consumer’s use of a motor vehicle or motor vehicle component. Effective on the 91st day following adjournment sine die.

SB 430 requires that any person who offers or sells goods or services online to display the total cost in any advertisement, display, or offer, except for any governmental taxes or fees, shipping costs, or service fee. Effective January 1, 2026.

 

WASHINGTON

SB 5801 is a lengthy Transportation Bill which was signed into law on May 5, 2025. The bill increases fees in a number of categories, including titling and registering a vehicle, title filing, and replacement tires. In addition, the bill increases the motor vehicles sales and use tax, the rental car tax, and creates a new luxury vehicle tax on certain vehicles exceeding $100,000. Effective July 1, 2025, in part.

 

CORRECTION

 

TEXAS

Alternate Consumer Loans Subchapter F – §§342.251 – 342.252

Loan Amount	Acquisition Charge plus Installment Acct Handling Charge
Under $30:	12.5% cash advance
From $30 up to $35:	12.5% cash advance plus $3 per month
From $35.01 up to $70:	12.5% cash advance plus $3.50 per month
From $70.01 up to $100:	12.5% cash advance plus $4 per month
From $100.01 up to $900:	12.5% cash advance, up to $125 plus $4 per month for each $100
From $900.01 up to $1,800:	12.5% cash advance, up to $125 plus $4 per month for each $100

 

Effective July 1, 2025.