---
type: "Bill"
title: "A bill for an act relating to permissible interest rates and charges for certain loans. (Formerly HSB 31.) Effective 7-1-19."
description: "A bill for an act relating to permissible interest rates and charges for certain loans. (Formerly HSB 31.) Effective 7-1-19."
jurisdiction: "us/states/ia"
legislature: "Iowa General Assembly"
session: "2019-2020"
identifier: "HF 260"
citation: "Iowa HF 260 (2019-2020)"
classification: ["bill"]
subjects: ["consumer credit", "creditors", "interest", "loans"]
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 14
vote_count: 2
first_action: "2019-02-06"
last_action: "2019-04-15"
source: "openstates"
source_identifier: "ocd-bill/b2c93a59-6f7e-4533-ae5a-7b22942dd5ca"
source_url: "https://www.legis.iowa.gov/legislation/billTracking/billHistory?billName=HF 260&ga=88"
source_hash: "007177a09308e84f59f8c1f191b954a57d97d9bd9fff4e4b1f87a4818c8db20b"
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-ia"]
---

# Iowa HF 260 (2019-2020) — A bill for an act relating to permissible interest rates and charges for certain loans. (Formerly HSB 31.) Effective 7-1-19.

## Version chain

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

1. **Introduced** (filed) — [source](https://www.legis.iowa.gov/docs/publications/LGI/88/attachments/HF260.html)
2. **Amendment H-1011** (committee substitute) — [source](https://www.legis.iowa.gov/docs/publications/AMDI/88/H1011.pdf)
3. **Enrolled** (enrolled) — [source](https://www.legis.iowa.gov/docs/publications/LGE/88/attachments/HF260.html)

## Votes

- Shall the bill pass? — **40–10** (pass) · upper
- Shall the bill pass? — **53–46** (pass) · lower

## Timeline

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

- **2019-02-06** Introduced, placed on calendar. `introduction`
- **2019-03-11** Amendment H-1011 filed. `amendment-introduction`
- **2019-03-13** Amendment H-1011 withdrawn.
- **2019-03-13** Passed House, yeas 53, nays 46. `passage`
- **2019-03-13** Immediate message.
- **2019-03-14** Message from House.
- **2019-03-14** Read first time and attached to companion SF 320. `reading-1`
- **2019-04-04** Placed on calendar under unfinished business.
- **2019-04-08** Substituted for SF 320.
- **2019-04-08** Passed Senate, yeas 40, nays 10. `passage`
- **2019-04-08** Immediate message.
- **2019-04-08** Message from Senate.
- **2019-04-15** Reported correctly enrolled, signed by Speaker and President, and sent to Governor.
- **2019-04-15** Signed by Governor. `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/b2c93a59-6f7e-4533-ae5a-7b22942dd5ca`. Confidence: reported (aggregated from official Iowa legislature records).