Virginia 2026 Session Status: Introduced

SB478 — Financial institutions; loans and legal rate of interest.

Last action — Stricken at request of Patron in Commerce and Labor (13-Y 0-N)

  1. 1
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House of Delegates
  5. 5
    To Executive
  6. 6
    Enacted

This bill has been introduced in the Senate. Introduced January 13, 2026. It must pass committee before a floor vote.

Next likely step: a committee referral and hearing.

Prognosis

Stalled 26% · moderate confidence

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

  • Introduced

    Current position in the legislative process.

  • 1 sponsor

    1 primary, 0 co-sponsors signed on.

  • Cleared a recorded vote

    Passed 1 recorded vote so far.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Summary

Financial institutions; loans and legal rate of interest.

Bill Text

We don't have the full text on file for this bill yet.

Read SB478 on the official Virginia source →

Action History

  1. S Stricken at request of Patron in Commerce and Labor (13-Y 0-N)

  2. S Fiscal Impact Statement from State Corporation Commission (SB478)

  3. S Referred to Committee on Commerce and Labor

  4. S Prefiled and ordered printed; Offered 01-14-2026 26103737D

Sponsors

Sponsorship breakdown

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1 sponsors · 0 co-sponsors · 147 not signed on

Sponsors (1)

Co-sponsors (0)

None.

Not signed on (147)

147 members have not signed on to this bill.

Show all 147 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

Stricken at request of Patron in Commerce and Labor

Passed 13 Yea · 0 Nay · 2 Other
Party YeaNayPresentNot Voting
Unaffiliated 13002
Total 13002
% of votes cast 87%0%0%13%
How each member voted (15)
Member Party Vote
Aaron R. Rouse — Yea
Adam P. Ebbin — Yea
Bill DeSteph — Yea
Bryce E. Reeves — Yea
David W. Marsden — Yea
Jeremy S. McPike — Yea
L. Louise Lucas — Yea
Lamont Bagby — Yea
Mamie E. Locke — Yea
Mark D. Obenshain — Not Voting
Mark J. Peake — Yea
R. Creigh Deeds — Yea
Ryan T. McDougle — Yea
Scott A. Surovell — Not Voting
William M. Stanley, Jr. — Yea

Official roll call →

Subjects

finance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does SB478 do?
Financial institutions; loans and legal rate of interest.
Who sponsors SB478?
SB478 is sponsored by David W. Marsden.
What is the current status of SB478?
This bill has been introduced in the Senate. Introduced January 13, 2026. It must pass committee before a floor vote.
Where can I track SB478?
Track SB478 free on One Click Politics — get push/email alerts when it moves.

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Last checked for changes 3 months ago · updated continuously

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