---
type: "Bill"
title: "Interest Rates - As enacted, changes the application of interest rates to the amount financed instead of the total amount of the loan with regard to certain loans made by industrial loan and thrift companies. - Amends TCA Title 45, Chapter 5."
description: "Interest Rates - As enacted, changes the application of interest rates to the amount financed instead of the total amount of the loan with regard to certain loans made by industrial loan and thrift companies. - Amends TCA Title 45, Chapter 5."
jurisdiction: "us/states/tn"
legislature: "Tennessee General Assembly"
session: "110"
identifier: "HB 1944"
citation: "Tennessee HB 1944 (110)"
classification: ["bill"]
subjects: ["Interest Rates"]
status: "enacted"
primary_sponsors: ["Casada", "Roberts"]
version_count: 1
action_count: 30
vote_count: 5
first_action: "2018-01-26"
last_action: "2018-04-04"
source: "openstates"
source_identifier: "ocd-bill/e58309b0-b5f7-4662-a9f6-012218d0b5c7"
source_url: "http://wapp.capitol.tn.gov/apps/BillInfo/default.aspx?BillNumber=HB1944&GA=110"
source_hash: "34b34d0f02d5e3644b3bbf286c9c2919f0df864babee2e6cc97e5eaf7a050d4c"
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-tn"]
---

# Tennessee HB 1944 (110) — Interest Rates - As enacted, changes the application of interest rates to the amount financed instead of the total amount of the loan with regard to certain loans made by industrial loan and thrift companies. - Amends TCA Title 45, Chapter 5.

## Version chain

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

1. **Current Version** (committee substitute) — [source](http://www.capitol.tn.gov/Bills/110/Bill/HB1944.pdf)

## Votes

- FLOOR VOTE: Motion to Adopt 3/12/2018 PASSED (1) — **30–0** (fail) · upper
- FLOOR VOTE: PASSAGE ON THIRD CONSIDERATION 3/1/2018 PASSED (1) — **86–5** (fail) · lower
- INSURANCE AND BANKING COMMITTEE: Rec. for pass; ref to Calendar & Rules Committee 2/20/2018 (3) — **0–0** (pass) · lower
- INSURANCE AND BANKING SUBCOMMITTEE: Rec. for pass by s/c ref. to Insurance and Banking Committee 2/14/2018 (4) — **0–0** (pass) · lower
- CALENDAR & RULES COMMITTEE: H. Placed on Regular Calendar for 3/1/2018 2/22/2018 (2) — **0–0** (fail) · lower

## Sponsors

- Casada — primary (person)
- Roberts — primary (person)

## Timeline

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

- **2018-01-26** Filed for intro. `introduction, reading-1`
- **2018-01-29** Intro., P1C. `introduction`
- **2018-01-31** Assigned to s/c Insurance and Banking Subcommittee `referral-committee`
- **2018-01-31** P2C, ref. to Insurance and Banking Committee `referral-committee`
- **2018-02-01** Introduced, Passed on First Consideration `introduction`
- **2018-02-01** Filed for introduction `introduction, reading-1`
- **2018-02-05** Passed on Second Consideration, refer to Senate Commerce and Labor Committee
- **2018-02-07** Placed on s/c cal Insurance and Banking Subcommittee for 2/14/2018
- **2018-02-14** Placed on cal. Insurance and Banking Committee for 2/20/2018
- **2018-02-14** Rec. for pass by s/c ref. to Insurance and Banking Committee `committee-passage-favorable`
- **2018-02-20** Rec. for pass; ref to Calendar & Rules Committee `committee-passage-favorable`
- **2018-02-21** Placed on cal. Calendar & Rules Committee for 2/22/2018
- **2018-02-22** H. Placed on Regular Calendar for 3/1/2018
- **2018-02-28** Placed on Senate Commerce and Labor Committee calendar for 3/6/2018
- **2018-03-01** Engrossed; ready for transmission to Sen.
- **2018-03-01** Passed H., Ayes 86, Nays 5, PNV 1 `passage`
- **2018-03-05** Received from House, Passed on First Consideration `introduction`
- **2018-03-06** Recommended for passage, refer to Senate Calendar Committee
- **2018-03-09** Placed on Senate Consent Calendar 2 calendar for 3/12/2018
- **2018-03-12** Passed Senate, Ayes 30, Nays 0 `passage`
- **2018-03-12** Senate substituted House Bill for companion Senate Bill.
- **2018-03-12** Companion House Bill substituted
- **2018-03-13** Enrolled; ready for sig. of H. Speaker.
- **2018-03-15** Signed by H. Speaker
- **2018-03-19** Signed by Senate Speaker
- **2018-03-20** Transmitted to Governor for his action. `executive-receipt`
- **2018-03-23** Signed by Governor. `executive-signature`
- **2018-04-04** Pub. Ch. 600
- **2018-04-04** Effective date(s) 03/23/2018
- **2018-04-04** Comp. became Pub. Ch. 600

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/e58309b0-b5f7-4662-a9f6-012218d0b5c7`. Confidence: reported (aggregated from official Tennessee legislature records).