HB 1309 — Consumer finance companies; additional charges.

VA 20261 session

Consumer finance companies; additional charges. Provides that, for the purposes of the prohibition on additional charges by consumer finance companies, exceptions to such prohibition include (i) charges for guaranteed asset protection waivers for the protection and benefit of the borrower in connection with any loan and (ii) charges for guaranteed asset protection insurance for the protection and benefit of the borrower in connection with any loan.

Latest action: — Acts of Assembly Chapter

Sponsors (2)

Jason S. Ballard (R, VA) — sponsor
Virgil Thornton (D, VA) — cosponsor

Action timeline (29)

2026-01-16 · house · H4022 —
2026-01-16 · house · H1401 —
2026-01-25 · house · H8500 —
2026-01-27 · house · H1412 —
2026-02-10 · house · H1416 —
2026-02-12 · house · H1405 —
2026-02-15 · house · H4110 —
2026-02-16 · house · H4122 —
2026-02-17 · house · H5000 —
2026-02-18 · senate · S4140 —
2026-02-18 · senate · S0201 —
2026-03-02 · senate · S0205 —
2026-03-04 · senate · S4150 —
2026-03-04 · senate · S4150 —
2026-03-04 · senate · S4145 —
2026-03-04 · senate · S4160 —
2026-03-04 · senate · S4150 —
2026-03-04 · senate · S4160 —
2026-03-05 · senate · S4130 —
2026-03-05 · senate · S5100 —
2026-03-12 · house · H5610 —
2026-03-12 · house · H5601 —
2026-03-12 · house · H5620 —
2026-03-12 · senate · S5620 —
2026-03-14 · house · H7010 —
2026-03-14 · G7010 —
2026-04-06 · house · H8500 —
2026-04-08 · G7050 —
2026-04-08 · G9998 —

Text versions (0)

No text versions on file yet — same ingest as the action timeline populates these. Each version has direct links to the XML / HTML / PDF at govinfo.gov.

Bill text (extracted)

Amendments

Congressional Research Service briefs (0)

CRS reports that cite this bill in their relatedMaterials — what Congress was reading on the topic. Click any report for its summary, formats, and bill-citation walk.

No CRS reports cite this bill yet.

Who matters on this bill

Who matters

Members ranked by combined influence on this bill: role (sponsor 5 / cosponsor 1), capped speech count from the Congressional Record, and recorded-vote engagement.

#	Member	Role	Speeches	Voted	Score
1	Jason S. Ballard (R, state_lower VA)	sponsor	0	—	5
2	Virgil Thornton (D, state_lower VA)	cosponsor	0	—	1

Stance (positions taken)

Predicted vote

Aggregated from: actual roll-call votes (when present) → sponsor → cosponsor → party median (predicts YES when ≥25% of the caucus sponsored/cosponsored). Each row labels its confidence tier so you can see why a position was predicted.

0 predicted yes (0%) · 543 predicted no (100%) · 0 unknown (0%)

By party: · R: 0 yes / 277 no · D: 0 yes / 263 no · I: 0 yes / 3 no

Timeline

News clips about this bill

Mentioned in /ask threads

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