---
type: "Bill"
title: "An Act To Cap Interest Rates For Consumer Debt"
description: "An Act To Cap Interest Rates For Consumer Debt"
jurisdiction: "us/states/me"
legislature: "Maine Legislature"
session: "130"
identifier: "LD 522"
citation: "Maine LD 522 (130)"
classification: ["bill"]
subjects: ["CREDIT CARDS", "FINANCIAL PRACTICES", "INTEREST RATE CAPPED"]
status: "enacted"
primary_sponsors: ["Richard BENNETT"]
version_count: 3
action_count: 31
vote_count: 0
first_action: "2021-02-22"
last_action: "2021-06-21"
source: "openstates"
source_identifier: "ocd-bill/e7e5609b-dd8e-405e-83a8-c6fb8705d86f"
source_url: "https://legislature.maine.gov/LawMakerWeb/dockets.asp?ID=280078901"
source_hash: "1d1a625c0c54fc32eafae90ec5756a034ccd397124e1709b8551be962b5b7bc8"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-me"]
---

# Maine LD 522 (130) — An Act To Cap Interest Rates For Consumer Debt

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Adopted Amendments** (committee substitute) — [source](http://www.mainelegislature.org/legis/bills/getPDF.asp?paper=SP0205&item=2&snum=130)
2. **Documents and Disposition** (committee substitute) — [source](http://www.mainelegislature.org/legis/bills/getPDF.asp?paper=SP0205&item=1&snum=130)
3. **Final Disposition** (committee substitute) — [source](http://www.mainelegislature.org/legis/bills/getPDF.asp?paper=SP0205&item=3&snum=130)

## Sponsors

- Richard BENNETT — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2021-02-22** Received by the Secretary of the Senate on February 22, 2021 and REFERRED to the Committee on HEALTH COVERAGE, INSURANCE AND FINANCIAL SERVICES pursuant to Joint Rule 308.2 `receipt, referral-committee`
- **2021-03-30** CARRIED OVER, in the same posture, to a subsequent special or regular session of the 130th Legislature, pursuant to Joint Order SP 435.
- **2021-05-19** Report READ and ACCEPTED.
- **2021-05-19** READ ONCE. `reading-1`
- **2021-05-19** Committee Amendment "A" (S-65) READ and ADOPTED. `committee-passage-favorable, passage`
- **2021-05-19** Under suspension of the Rules, READ A SECOND TIME and PASSED TO BE ENGROSSED AS AMENDED BY Committee Amendment "A" (S-65). `reading-2, reading-3`
- **2021-05-19** Ordered sent down forthwith for concurrence.
- **2021-05-19** CONSENT CALENDAR - FIRST DAY
- **2021-05-19** Under suspension of the rules CONSENT CALENDAR - SECOND DAY.
- **2021-05-19** The Bill was PASSED TO BE ENGROSSED as Amended by Committee Amendment "A" (S-65). `reading-3`
- **2021-05-19** In concurrence. ORDERED SENT FORTHWITH.
- **2021-05-19** CONSENT CALENDAR - FIRST DAY
- **2021-05-19** On OBJECTION of Representative DUNPHY of Old Town REMOVED.
- **2021-05-19** The Committee Report was READ.
- **2021-05-19** On motion of Representative DUNPHY of Old Town, TABLED pending ACCEPTANCE of the Committee Report.
- **2021-05-19** Later today assigned.
- **2021-06-09** Speaker laid before the House
- **2021-06-09** Subsequently, the Committee Report was ACCEPTED.
- **2021-06-09** The Bill was READ ONCE. `reading-1`
- **2021-06-09** Committee Amendment "A" (S-65) was READ and ADOPTED. `committee-passage-favorable, passage`
- **2021-06-09** Under suspension of the rules, the Bill was given its SECOND READING without REFERENCE to the Committee on Bills in the Second Reading.
- **2021-06-09** The Bill was PASSED TO BE ENGROSSED as Amended by Committee Amendment "A" (S-65). `reading-3`
- **2021-06-09** In concurrence. ORDERED SENT FORTHWITH.
- **2021-06-10** PASSED TO BE ENACTED. `passage`
- **2021-06-10** Sent for concurrence. ORDERED SENT FORTHWITH.
- **2021-06-14** PASSED TO BE ENACTED, in concurrence. `passage`
- **2021-06-21** Signed by Governor `executive-signature`
- **2021-03-16T04:00:00+00:00** Work Session Held - TABLED
- **2021-03-25T04:00:00+00:00** Work Session Held
- **2021-03-25T04:00:00+00:00** Voted - OTP-AM
- **2021-04-28T04:00:00+00:00** Reported Out - OTP-AM

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/e7e5609b-dd8e-405e-83a8-c6fb8705d86f`. Confidence: reported (aggregated from official Maine legislature records).