CEI's Arizona Consumer Affordability 2026 Policy Agenda

Letter to the Arizona Legislature | January 29, 2026

"The 'Affordability' Agenda for Arizona families must address high cost and predatory credit. Borrowers are paying too much for cash loans due to add-on fees, lax enforcement of the Consumer Lender law, and the predatory car title loan carve out from Arizona’s usury law. The so-called early wage advance industry is again attempting to legalize payday lending. The Arizona legislature and regulators must take action to make credit safer and more affordable."

ARL Coalition Letter in Opposition to Arizona House Bill 2309

Letter to the Arizona House of Representatives | January 27, 2026

"The undersigned [thirteen] organizations on behalf of the Arizona Responsible Lending Coalition, urge you to please vote NO on HB2309. Earned wage advances are payday loans, plain and simple."

CEI Letter in Opposition to Arizona House Bill 2309 - Payday (EWA) Loan Exemption from Arizona’s Consumer Lending Laws

Letter to the Arizona House of Representatives | January 27, 2026

"On behalf of the Center for Economic Integrity, I am writing to voice our strong opposition to Arizona House Bill 2309 (AZ HB2309), with particular concern for the bill’s exemption from fair lending laws, practices and principles across our state. "

The Arizona Constitution requires that laws not take effect until 90 days after the end of the session.

“Laws, like sausages, cease to inspire respect in proportion as we know how they are made,” wrote lawyer-poet John Godfrey Saxe.

2026 Legislative timetable

• Thursday, January 15: Last day for House members to file legislation before the seven-bill limit starts
• Monday, February 2: Last day to introduce bills in the Senate
• Monday, February 9: Last day to introduce bills in the House
• Friday, February 20: Last day for a bill to get out of a committee in its originating chamber
• Monday, February 23: Crossover week starts (House bills go to the Senate, and vice versa)
• Friday, March 27: Last day for a bill to get out of a committee in the opposite chamber
• Tuesday, April 21: 100th day of session — allegedly the end of the legislative session

The Arizona Legislature
in 2026

Arizona’s 57th Legislature, Second Regular Session convened on  January 12, 2026 (the second Monday in January).

2026 Progress of Bills

2026 All Lending Bills Tracked

2026 All State Legislation

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