Bill History/Action for Legislature

Bill SB 39
Current Status RTN TO (S) GOV NEXT
Status Date 05/20/2025

Bill Version CSSB 39(FIN)
Short Title LOANS UNDER $25,000; PAYDAY LOANS

Sponsor(S) SENATORS DUNBAR, Tobin, Gray-Jackson, Kawasaki
REPRESENTATIVES Eischeid, Josephson, Mina
Title "An Act relating to loans in an amount of $25,000 or less; relating to financial institutions; relating to the Nationwide Multistate Licensing System and Registry; relating to pawnbroker licensing exemptions; relating to deferred deposit advances; relating to computing interest; and providing for an effective date."

Actions
Full Text
Fiscal Notes
Amendments
Minutes and Audio
Documents

Version	Amended Name	PDF	Date	House	Senate
Full Text of SB 39			Intro/ Offered	Passed
SB0039A	SB 39	pdf	01/22/2025
SB0039B	CSSB 39(L&C)	pdf	02/26/2025
SB0039C	CSSB 39(FIN)	pdf	04/11/2025	05/20/2025	04/15/2025

Fiscal Action Summary

Fiscal Note	Preparer	Date	Chamber	Fiscal Impact	Cmte Report
SB 39				Published
pdf Fiscal Note 1	Commerce, Community & Econ. Dev.	02/26/2025	S	Y	SL&C
pdf Fiscal Note 2	Commerce, Community & Econ. Dev.	04/11/2025	S	Y	SFIN, HFIN

Bill Amendments Summary

Bill : SB 39

Amendments that are adopted are incorporated into the next version of the bill.
PDF versions of the amendment may have slight variations from the Journal entry. The Journal should be considered the authoritative version.

Amendment	Chamber	Action	Date	Page	PDF
			Action	Journal

House and Senate Minutes/Recordings

Bill : SB 39

Meeting Date	Start Time	Title
5/18/2025	12:00 PM	HOUSE FINANCE	Video
5/15/2025	1:30 PM	HOUSE FINANCE	Audio/Video
5/9/2025	9:00 AM	HOUSE FINANCE	Audio/Video
5/9/2025	1:30 PM	HOUSE FINANCE	Audio/Video
4/9/2025	9:00 AM	SENATE FINANCE	Audio/Video
3/20/2025	9:00 AM	SENATE FINANCE	Audio/Video
2/24/2025	1:30 PM	SENATE LABOR & COMMERCE	Audio/Video
2/19/2025	1:30 PM	SENATE LABOR & COMMERCE	Audio/Video

Documents for Bill SB 39 34th Legislature

Additional documents may be added - continue to check back.

Document Name	Date/Time	Subjects
SB39 HFIN Follow Up to 5.9.25 Hearing.pdf	HFIN 5/15/2025 1:30:00 PM	SB 39
SB 39 Public Testimony Rec'd by 050925.pdf	HFIN 5/9/2025 9:00:00 AM	SB 39
SB39 Summary of Changes ver A to I, 4.21.2025.pdf	HFIN 5/9/2025 9:00:00 AM	SB 39
SB 39 Supporting Documents - Committee Correspondence, 4.21.25.pdf	HFIN 5/9/2025 9:00:00 AM	SB 39
SB 39 Sponsor Statement ver I, 4.21.25.pdf	HFIN 5/9/2025 9:00:00 AM	SB 39
SB 39 Sectional Analysis ver I, 4.21.25.pdf	HFIN 5/9/2025 9:00:00 AM	SB 39
SB 39 Additional Documents-October 2010 Texas Bankruptcy Study 4.21.25.pdf	HFIN 5/9/2025 9:00:00 AM	SB 39
SB 39 Additional Documents-Letters of Opposition Received by 4.21.25.pdf	HFIN 5/9/2025 9:00:00 AM	SB 39
SB 39 Additional Documents-June 2009 Center for Responsible Lending Bankruptcy Policy Brief 4.21.25.pdf	HFIN 5/9/2025 9:00:00 AM	SB 39
SB 39 Additional Documents-January 2020 Center for Responsible Lending South Dakota Case Study.pdf	HFIN 5/9/2025 9:00:00 AM	SB 39
SB 39 Additional Documents-AKPIRG Stats Graphic 4.21.25.pdf	HFIN 5/9/2025 9:00:00 AM	SB 39
SB 39 Additional Documents -June 2023 Center for Responsible Lending APR Research.pdf	HFIN 5/9/2025 9:00:00 AM	SB 39
SB 39 Additional Documents-2023 Divison of Banking and Securities Payday Overview.pdf	HFIN 5/9/2025 9:00:00 AM	SB 39
SB 39 Additional Documentation Letters of Support Received by 4.21.25.pdf	HFIN 5/9/2025 9:00:00 AM	SB 39
SB 39 RBFC AK SB 39 Opposition Letter (2).pdf	SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 RBFC AK SB 39 Opposition Letter.pdf	SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 2025 04 07 OLA Letter to Sen Kaufman re SB 39.pdf	SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 work draft version I.pdf	SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 Explanation of Changes ver. N to ver. I April 7 2025.pdf	SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 mark up rate calculation TILA.pdf	SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 INFiN AK Statement.3.20.25.pdf	SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 CRL Written Response re AK SB 39.pdf	SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 Watson Testimony.pdf	SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 2025 03 31 OLA Ltr re SB 39 Testimony Inaccuracies.pdf	SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 03.26.25 SFIN Follow-Up to 03.20.25 Hearing.pdf	SFIN 3/20/2025 9:00:00 AM SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 AFSA comment letter - AK SB 39 rate caps 03.20.2025.pdf	SFIN 3/20/2025 9:00:00 AM SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 Miller Testimony 2025.pdf	SFIN 3/20/2025 9:00:00 AM SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 Hudson Cook Testimony.pdf	SFIN 3/20/2025 9:00:00 AM SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 Opposition Testimony ILPA AK.pdf	SFIN 3/20/2025 9:00:00 AM SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 OLA - Alaska Comment Letter.pdf	SFIN 3/20/2025 9:00:00 AM SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 Supporting Documents.pdf	SFIN 3/20/2025 9:00:00 AM SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 Summary of Changes Version N 2.25.2025.pdf	SFIN 3/20/2025 9:00:00 AM SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 Sponsor Statement Version N 2.25.2025.pdf	SFIN 3/20/2025 9:00:00 AM SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 Sectional Analysis version N 2.25.2025.pdf	SFIN 3/20/2025 9:00:00 AM SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 Letters of Support 2.25.2025.pdf	SFIN 3/20/2025 9:00:00 AM SFIN 4/9/2025 9:00:00 AM	SB 39
SB 39 Comment Letter OMF 03.17.2025.pdf	SFIN 3/20/2025 9:00:00 AM	SB 39
SB 39 Letters of Opposition 2.25.2025.pdf	SFIN 3/20/2025 9:00:00 AM SFIN 4/9/2025 9:00:00 AM	SB 39
SB39 Public Testimony-Email-Southwest Public Policy Institute 02.23.25.pdf	SL&C 2/24/2025 1:30:00 PM	SB 39
SB39 Public Testimony-Letter-AFSA 02.24.25.pdf	SL&C 2/24/2025 1:30:00 PM	SB 39
SB39 Public Testimony-Letter-AARP 02.20.25.pdf	SL&C 2/24/2025 1:30:00 PM	SB 39
SB39 Public Testimony-Letter-ILPA 02.18.25.pdf	SL&C 2/24/2025 1:30:00 PM	SB 39
SB39 Public Testimony-Letter-AKPIRG 02.19.25.pdf	SL&C 2/24/2025 1:30:00 PM	SB 39
SB39 Public Testimony-Letter-OLA 02.18.25.pdf	SL&C 2/24/2025 1:30:00 PM	SB 39
SB39 Public Testimony-Letter-INFiN 02.19.25.pdf	SL&C 2/24/2025 1:30:00 PM	SB 39
SB39 Draft Proposed Amendment ver A.1.pdf	SL&C 2/19/2025 1:30:00 PM	SB 39
SB39 ver A.pdf	SL&C 2/19/2025 1:30:00 PM	SB 39
SB39 Sponsor Statement verA 02.10.25.pdf	SL&C 2/19/2025 1:30:00 PM	SB 39
SB39 Sectional Analysis ver A 02.12.25.pdf	SL&C 2/19/2025 1:30:00 PM	SB 39
SB39 Public Testimony-Email-Tracy Fischbach 02.09.25.pdf	SL&C 2/19/2025 1:30:00 PM	SB 39
SB39 Public Testimony-Combined as of 01.31.25.pdf	SL&C 2/19/2025 1:30:00 PM	SB 39
SB39 Fiscal Note-DCCED-DBS-02.14.25.pdf	SL&C 2/19/2025 1:30:00 PM	SB 39

Jrn Date	Jrn Page	Text
1/22/2025	36	(S) PREFILE RELEASED 1/10/25
1/22/2025	36	(S) READ THE FIRST TIME - REFERRALS
1/22/2025	36	(S) L&C, FIN
1/31/2025	146	(S) COSPONSOR(S): TOBIN, GRAY-JACKSON, KAWASAKI
2/19/2025	Text	(S) LABOR & COMMERCE at 01:30 PM BELTZ 105 (TSBldg)
2/19/2025	Text	(S) Heard & Held
2/24/2025	Text	(S) LABOR & COMMERCE at 01:30 PM BELTZ 105 (TSBldg)
2/24/2025	Text	(S) Moved CSSB 39(L&C) Out of Committee
2/26/2025	361	(S) L&C RPT CS 3NR 2DP SAME TITLE
2/26/2025	361	(S) NR: BJORKMAN, MERRICK, YUNDT
2/26/2025	361	(S) DP: DUNBAR, GRAY-JACKSON
2/26/2025	361	(S) FN1: (CED)
3/20/2025	Text	(S) FINANCE at 09:00 AM SENATE FINANCE 532
3/20/2025	Text	(S) Heard & Held
4/9/2025	Text	(S) FINANCE at 09:00 AM SENATE FINANCE 532
4/9/2025	Text	(S) Moved CSSB 39(FIN) Out of Committee
4/11/2025	781	(S) FIN RPT CS 3DP 4NR NEW TITLE
4/11/2025	781	(S) DP: OLSON, HOFFMAN, KIEHL
4/11/2025	781	(S) NR: STEDMAN, KAUFMAN, CRONK, MERRICK
4/11/2025	781	(S) FN2: (CED)
4/11/2025	781	(S) RULES TO CALENDAR 4/14/2025
4/14/2025	859	(S) READ THE SECOND TIME
4/14/2025	859	(S) FIN CS ADOPTED UC
4/14/2025	859	(S) ADVANCED TO THIRD READING 4/15 CAL
4/15/2025	877	(S) READ THE THIRD TIME CSSB 39(FIN)
4/15/2025	878	(S) PASSED Y14 N6
4/15/2025	878	(S) EFFECTIVE DATE(S) SAME AS PASSAGE
4/15/2025	882	(S) TRANSMITTED TO (H)
4/15/2025	882	(S) VERSION: CSSB 39(FIN)
4/16/2025	809	(H) READ THE FIRST TIME - REFERRALS
4/16/2025	809	(H) FIN
5/2/2025	1001	(H) CROSS SPONSOR(S): EISCHEID
5/9/2025	Text	(H) FINANCE at 09:00 AM ADAMS 519
5/9/2025	Text	(H) Heard & Held -- Please Note Time Change --
5/9/2025	Text	(H) FINANCE at 01:30 PM ADAMS 519
5/9/2025	Text	(H) Heard & Held -- Delayed to 1:55 pm --
5/15/2025	Text	(H) FINANCE at 01:30 PM ADAMS 519
5/15/2025	Text	(H) Heard & Held -- Recessed to 8:00 am on 5/16 --
5/18/2025	Text	(H) FINANCE at 12:00 PM ADAMS 519
5/18/2025	Text	(H) Moved CSSB 39(FIN) Out of Committee -- Recessed to a Call of the Chair --
5/19/2025	1310	(H) FIN RPT 5DP 2NR 2AM
5/19/2025	1310	(H) DP: HANNAN, GALVIN, JIMMIE, FOSTER, JOSEPHSON
5/19/2025	1310	(H) NR: BYNUM, SCHRAGE
5/19/2025	1310	(H) AM: STAPP, TOMASZEWSKI
5/19/2025	1310	(H) FN2: (CED)
5/19/2025	1315	(H) RULES TO CALENDAR 5/19/2025
5/19/2025	1315	(H) READ THE SECOND TIME
5/19/2025	1316	(H) ADVANCED TO THIRD READING 5/20 CALENDAR
5/19/2025	1329	(H) CROSS SPONSOR(S): JOSEPHSON
5/20/2025	1340	(H) READ THE THIRD TIME CSSB 39(FIN)
5/20/2025	1340	(H) PASSED Y24 N16
5/20/2025	1341	(H) EFFECTIVE DATE(S) ADOPTED Y29 N11
5/20/2025	1341	(H) RETURN TO (S), TRANSMIT TO GOV NEXT
5/20/2025	1341	(H) VERSION: CSSB 39(FIN)
5/20/2025	1358	(H) CROSS SPONSOR(S): MINA
5/20/2025	1375	(S) AWAITING TRANSMITTAL TO GOV