Effective State Changes
ARIZONA
HB 2323 amends Arizona law to now include lessees within the definition of “consumer” under motor vehicle warranty laws, granting them the same rights as retail owners. Effective approximately September 25, 2026.
IDAHO
HB 742 modernizes the vehicle titling and lien system in Idaho. Effective July 1, 2026.
INDIANA
HB 1153 mandates that motor vehicle dealers verify and retain buyer identification documentation. Additionally, the bill creates a new Class A infraction if a dealer is operating without a state license. Effective July 1, 2026.
KENTUCKY
Following trends seen around the country, HB 648 updates and strengthens protections for obtaining reimbursement from manufacturers for warranty work. Beyond extending claim submission deadlines, the bill also makes it illegal for manufacturers to deny payment for replacement parts without thorough justification. Effective July 14, 2026.
Governor Andy Beshear signed SB 110 into law on April 13, 2026. The new law requires an electronic title, registration and lien system by January 1, 2027. In addition, the new system will allow for renewal notices via email or text, expands payment options for taxes and fees, and updates certain motor vehicle fees. Effective immediately.
SB 158 clarifies that vehicle protection products are not insurance and that it is illegal to condition credit or vehicle sales based on purchasing these products from motor vehicle dealers. Effective January 1, 2027.
MAINE
LD 2179 institutes a two-year pilot program to license online used car dealers that do not have a physical location in Maine and operate only digitally. Effective July 29, 2026.
MISSISSIPPI
The Small Loan Regulatory Law in Mississippi has been amended by SB 2712 to allow licensed lenders to charge a fee to purchase non-filing or nonrecording insurance instead of the cost to record a loan security instrument with the state. Effective July 1, 2026.
OKLAHOMA
The Department of Consumer Credit published the changes in dollar amounts which will become effective July 1, 2026. Included in the adjustments are the following:
Retail Installment Sales, §2-201:
The greater of:
30% of the amount financed up to $2,040; plus
21% of the excess to $6,800; plus
15% of the remainder to $73,400.
OR 21% Simple Interest
The dollar amounts under §3-508(A) remain the same. The allowable closing fee increases from $190.41 to $196.18.
For loans subject to §3-508B of the Oklahoma Code the maximum charge structure is:
| Loan Amount |
Acquisition Charge |
Handling Charge |
| Up to $202.43 |
|
$6.75 per $33.75 of principal |
| $202.43-$236.25 |
1/10 of the amount of principal |
$20.25 per month |
| $236.26-$472.50 |
1/10 of the amount of principal |
$23.63 per month |
| $472.51-$675.00 |
1/10 of the amount of principal |
$27.00 per month |
| $675.01-$1,012.50 |
1/10 of the amount of principal |
$30.38 per month |
| $1,012.51-$1,350.00 |
1/10 of the amount of principal |
$33.75 per month |
| $1,350.01-$1,687.50 |
1/10 of the amount of principal |
$37.13 per month |
| $1,687.51-$2,025.00 |
1/10 of the amount of principal |
$40.50 per month |
| $2,025.01-$2,500.00 |
1/10 of the amount of principal |
$50.00 per month |
| $2,500.01-$3,125.00 |
1/10 of the amount of principal |
$62.50 per month |
| $3,125.01-$3,750.00 |
1/10 of the amount of principal |
$75.00 per month |
The maximum delinquency charge for consumer credit sales and consumer loans will increase from $33.00 to $34.00. Effective July 1, 2026.
Governor Kevin Stitt signed SB 546 into law on March 20, 2026. The law gives Oklahoma consumers the right to access, correct, delete, and opt out of targeted advertising and data sales. Effective January 1, 2027.
OREGON
HB 4116 clarifies that Oregon’s consumer finance loan laws do not limit rights under other lending laws and excludes certain federal interest rate amendments from applying in Oregon. The law “opts out” of the Depository Institutions Deregulation and Monetary Control Act of 1980 also known as DIDMCA. Effective June 5, 2026.
SOUTH CAROLINA
The Department of Consumer Affairs released its biannual dollar bracket adjustment effective from July 1, 2026, through June 30, 2028. Among the dollar bracket adjustments are:
- The maximum amount for consumer credit sales, consumer leases, and consumer loans increases from $127,500 to $135,000. (§2.104(1)(e), §2.106(1)(b), and §3.104(d), respectively).
- The maximum delinquency charge for sales and loan transactions increases from $25.50 to $27.00. (§2.203(1) and §3.203(1), respectively).
- The minimum delinquency charge for sales and loan transactions increases from $10.20 to $10.80. (§ 2.203(2) and §3.203(2), respectively).
- The maximum loan term thresholds increased from $5,100 and $1,530 to $5,400 and $1,620 (§3.511).
Effective July 1, 2026.
TEXAS
Released in February 2026, the dollar amount brackets and ceilings subject to adjustment in the Texas Finance Code will increase as follows:
Consumer Loans – §342.201
(Add-On Rates)
$18 per $100 per annum of the cash advance to $2,760 plus,
$8 per $100 per annum of the excess to $23,000
OR
(Simple Melded Rates)
30% per annum of the cash advance to $4,600 plus,
24% of the excess to $9,660 plus,
18% of the remainder to $23,000
Alternate Consumer Loans Subchapter F – §342.251
| Loan Amount |
Acquisition Charge plus Installment Acct Handling Charge |
| Under $30: |
$1 for each $5 cash advanced |
| 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 $920: |
12.5% plus $4 per month for each $100 of the cash advance; Max Acquisition Fee $130 |
| From $920.01 up to $1,840: |
12.5% plus $4 per month for each $100 of the cash advance; Max Acquisition Fee $130 |
Retail Installment Sales (“Other Goods”) – §345.055
(Add-On Rates)
$12 per $100 per annum of the principal balance to $4,600 plus,
$10 per $100 per annum of the excess to $9,200 plus,
$8 per $100 per annum of the remainder.
Effective July 1, 2026.
UTAH
Governor Spencer Cox signed HB 57 on March 23, 2026. This bill exempts street-legal ATVs from certain state registration requirements, and makes technical changes to Utah’s motor vehicle law and related tax laws. Effective in part May 6, 2026.
HB 228 adds and defines new categories of motor vehicle title brands and requires the Motor Vehicle Division to check VINs against the NMVTIS to identify and issue branded titles when relevant. Effective January 1, 2027.
SB 38 reorganizes Utah’s consumer protection laws and clarifies the powers of the Division of Consumer Protection. Effective in part May 6, 2026.
SB 190 allows registration for a non-commercial trailer for the length of its life by paying a fee four-times the annual rate. Effective January 1, 2027.
SB 230 amends the Utah consumer code to allow debtors to prepay closed-end consumer loans without penalty. In addition, it clarifies prepayment penalties and prepaid finance charges. Effective May 6, 2026.
Amongst other items, SB 242 updates vehicle registration definitions and fees. The bill addresses other transportation issues and funding for the state of Utah. Effective in part May 6, 2026.
VIRGINIA
Governor Abigail Spanberger signed HB 1309 into law on April 8, 2026. The bill allows for the sale of GAP and GAP Waivers with loans from consumer finance companies. Effective July 1, 2026.
HB 1386 adds breaches of extended service contracts to be covered by the Motor Vehicle Transaction Recovery Fund. Effective July 1, 2026.
WASHINGTON STATE
HB 2711 is a lengthy transportation bill that repeals the luxury aircraft tax, and increases aircraft fuel taxes and registration fees. The bill also modifies how the luxury tax is applied to motor vehicle leases and temporarily exempts motor homes from the luxury tax. Effective June 11, 2026.
SB 6354 seeks to expand Washington State’s electric vehicle adoption by allowing certain manufacturers to sell their vehicles directly to consumers, authorizes the Department of Commerce to create an electric vehicle rebate program for individuals of vulnerable populations, funded by increased vehicle title fees through 2036. Effective in part on June 11, 2026, and in part on October 1, 2026.
WYOMING
The Wyoming Department of Transportation has been tasked by bill SF 107 to create a statewide electronic title and registration system by July 1, 2028. Effective in part immediately.
