---
type: "Bill"
title: "A bill for an act relating to interest rates and charges on regulated loans, and consumer credit transaction service charges."
description: "A bill for an act relating to interest rates and charges on regulated loans, and consumer credit transaction service charges."
jurisdiction: "us/states/ia"
legislature: "Iowa General Assembly"
session: "2025-2026"
identifier: "HF 2329"
citation: "Iowa HF 2329 (2025-2026)"
classification: ["bill"]
subjects: ["consumer credit", "fees", "financial institutions", "interest", "loans", "surcharges"]
status: "enacted"
primary_sponsors: []
version_count: 7
action_count: 18
vote_count: 1
first_action: "2026-02-06"
last_action: "2026-05-02"
source: "openstates"
source_identifier: "ocd-bill/0edb65a7-b64c-4c32-8c2a-8c2250698a31"
source_url: "https://www.legis.iowa.gov/legislation/billTracking/billHistory?billName=HF 2329&ga=91"
source_hash: "b5edcd9c7f3efd649a291f38db896fd860d7b828dcdf3b2bbdd43c89385a04bb"
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 2329 (2025-2026) — A bill for an act relating to interest rates and charges on regulated loans, and consumer credit transaction service charges.

## 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/91/attachments/HF2329.html)
2. **Amendment H-8196** (committee substitute) — [source](https://www.legis.iowa.gov/docs/publications/AMDI/91/H8196.pdf)
3. **Amendment H-8199** (committee substitute) — [source](https://www.legis.iowa.gov/docs/publications/AMDI/91/H8199.pdf)
4. **Enrolled with Governor's Action** (committee substitute) — [source](https://www.legis.iowa.gov/docs/publications/LGEG/91/attachments/HF2329.html)
5. **Reprinted** (committee substitute) — [source](https://www.legis.iowa.gov/docs/publications/LGR/91/attachments/HF2329.html)
6. **Signed Enrolled Bill (PDF)** (committee substitute) — [source](https://www.legis.iowa.gov/docs/publications/LGE/91/Attachments/HF2329_GovLetter.pdf)
7. **Enrolled** (enrolled) — [source](https://www.legis.iowa.gov/docs/publications/LGE/91/attachments/HF2329.html)

## Votes

- Shall the bill pass? — **34–11** (pass) · upper

## Sponsors

- COMMITTEE ON COMMERCE — primary (organization)

## Timeline

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

- **2026-02-06** Introduced, placed on calendar. `introduction`
- **2026-03-10** Amendment H-8196 filed. `amendment-introduction`
- **2026-03-11** Amendment H-8199 filed. `amendment-introduction`
- **2026-03-12** Point of order raised on amendment H-8199, ruled not germane.
- **2026-03-12** Motion to suspend rules for immediate consideration of amendment H-8199, yeas 28, nays 63.
- **2026-03-12** Motion to suspend rules failed.
- **2026-03-12** Amendment H-8196 adopted. `amendment-passage`
- **2026-03-12** Passed House, yeas 62, nays 29. `passage`
- **2026-03-12** Immediate message.
- **2026-03-16** Message from House.
- **2026-03-16** Read first time, attached to SF 2216. `reading-1`
- **2026-03-19** Placed on calendar under unfinished business.
- **2026-04-07** Substituted for SF 2216.
- **2026-04-07** Passed Senate, yeas 34, nays 11. `passage`
- **2026-04-07** Immediate message.
- **2026-04-07** Message from Senate.
- **2026-05-02** Reported correctly enrolled, signed by Speaker and President, and sent to Governor.
- **2026-05-02** 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/0edb65a7-b64c-4c32-8c2a-8c2250698a31`. Confidence: reported (aggregated from official Iowa legislature records).