Effective State Changes

CONNECTICUT

Senate Bill 4 updates the Connecticut Data Privacy Act and strengthens consumer privacy rights by requiring data brokers to register with the state and enabling consumers to request data deletion. Effective October 1, 2026.

IOWA

House File 2756 requires the licensing of service contract companies that work on motor vehicles and residential spaces. Effective January 1, 2027.

KENTUCKY

Senate Bill 219 updates Kentucky’s deferred deposit transaction laws by increasing the maximum allowable proceeds a customer may receive from $500 to $600, with an annual adjustment based on the Consumer Price Index, capped at $850. The bill also increases consumer protections and deferred deposit transaction database oversight. Effective July 15, 2026.

LOUISIANA

House Bill 545 increases the maximum origination fee that lenders can charge on a consumer loan or revolving account from $50 to $75. Effective August 1, 2026.

The Click-to-Cancel Act—established by House Bill 750—requires businesses offering automatic renewal contracts to provide advance renewal notices, clearly disclose terms, obtain consumer consent, and provide easy, low-cost cancellation methods. Effective January 1, 2027.

House Bill 888 updates dealer inventory plate rules by allowing dealers to use them on courtesy loaner vehicles, extending plate validity from five to ten days, and permitting rear-window display, amongst other provisions. Effective June 1, 2026.

Senate Bill 72 mandates a new statewide electronic system for vehicle titling, registration, and lien recording. Immunity from civil liability is provided for good-faith electronic transactions. Effective August 1, 2026, with provisions phased in by 2028 and 2031.

Senate Bill 386 creates the Louisiana Data Privacy Act, which dictates how businesses must handle residents’ personal data and grants consumers rights to access, correct, and delete their personal data and opt out of data sales and targeted ads. The law will be enforced by the Louisiana Attorney General. Effective January 1, 2027.

MARYLAND

House Bill 306 prohibits a manufacturer, distributor, or factory branch from taking negative action against a vehicle dealer for disclosing pricing information on their website, including the manufacturer’s minimum advertised pricing and the dealer’s ability to offer lower prices. Effective October 1, 2026.

Reminders

IOWA

HF 2329 and SF 2216 replace the tiered structure of Iowa’s Regulated Loan Act with a 3% per month (36% annual) interest rate for all loans under $30,000. Effective July 1, 2026.

NEBRASKA

LB 717 expands the scope of the Nebraska Installment Loan and Sales Act by increasing the threshold for covered consumer loans from $25,000 to $100,000. Effective July 17, 2026.

OKLAHOMA

The Department of Consumer Credit published the changes in dollar amount brackets for Retail Installment Sales and Consumer Loans. Effective July 1, 2026.

TEXAS

The Texas Office of Consumer Credit Commissioner published dollar amount brackets and ceilings subject to adjustment in the Texas Finance Code for Retail Installment Sales and Consumer Loans. Effective July 1, 2026.