加州总检察长 Bonta 致信国会：18州反对取消各州利率上限退出权
加州总检察长 Rob Bonta 11月10日宣布，他与另外17州总检察长联名致信国会，反对联邦众议院 H.R. 7866 法案。该法案将取消各州退出联邦利率优先适用条款的权利，使各州无法对在州内发放的某些贷款执行本州的高利贷上限法律。
现行《存款机构放松管制与货币控制法》（DIDMCA）第521条允许州特许银行按其所在州的利率向外州借款人放贷，第525条则保留各州的退出权：州立法机关可立法退出该联邦优先适用。总检察长们在信中指出，一些非银行放贷方通过与州银行的表面合作规避利率上限，例如科罗拉多州2023年查到一家这类运营商发放了数千笔年利率超过100%的贷款。
Bonta 表示，各州在消费者金融保护上作用关键，加州有保护消费者免受掠夺性放贷的法律，在负担能力危机之下，国会不应削弱各州保护消费者的权利，他呼吁国会否决 H.R. 7866。
（来源：加州总检察长办公室）
Bonta Leads 18 Attorneys General Urging Congress to Keep States' Power to Limit Interest Rates
California Attorney General Rob Bonta announced on November 10 that he joined a coalition of 18 attorneys general in a letter to Congress opposing H.R. 7866, a U.S. House bill that would eliminate states' ability to opt out of the interest-rate preemption provisions of the Depository Institutions Deregulation and Monetary Control Act (DIDMCA).
Under Section 521 of DIDMCA, state-chartered banks can charge the interest rate allowed by their home state regardless of where a borrower lives, while Section 525 gives states an opt-out right to apply their own usury caps to loans made in their state. The attorneys general argue that nonbank lenders have exploited preemption through partnerships with state banks, citing a Colorado case in 2023 in which one operator made thousands of loans at annual rates above 100 percent.
Bonta said states play a crucial role in consumer financial protection, that California law protects consumers from predatory lending, and that amid an affordability crisis Congress should reject H.R. 7866 rather than slash states' rights to protect consumers.
(Source: California Attorney General's Office)
来源：加州总检察长办公室
发布：GSM·美国（发布链接）
图片来源：图：加州总检察长办公室大楼外观，位于 Sacramento 1300 I Street。CC BY-SA 3.0，经加州素材包。 / Photo: The California Attorney General's office building in Sacramento. CC BY-SA 3.0, via the California asset pack.
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