H.R. 4538

Summary

H.R. 4538, the PAPER Act, was introduced in the House on Jul 17, 2025 by Rep. Michael Turner (R). It was referred to Financial Services, and last saw action on Jul 17, 2025: Referred to the House Committee on Financial Services.

Record

Text

H.R. 4538 has no co-sponsors and has not gone to a roll call.

119 HR 4538 IH: Protecting Against Paperless and Electronic Requirements Act
 U.S. House of Representatives
 2025-07-17
 text/xml
 EN
 Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
 I  119th CONGRESS  1st Session  H. R. 4538  IN THE HOUSE OF REPRESENTATIVES   July 17, 2025   Mr. Turner of Ohio  introduced the following bill; which was referred to the  Committee on Financial Services    A BILL
To prohibit covered entities from requiring consumers to solely use digital monthly statements, and for other purposes.
1.
Short title
This Act may be cited as the   Protecting Against Paperless and Electronic Requirements Act   or the   PAPER Act  .
2.
Requirement
(a)
In general
Each covered entity shall offer each consumer of such entity the option of receiving paper copies of their monthly statements.
(b)
Prohibition
A covered entity may not condition the use of any services offered by such entity on the sole use of digital monthly statements by a consumer.
(c)
Definitions
(1)
Depository institution
The term  depository institution  has the meaning given the term in section 3 of the Federal Deposit Act.
(2)
Credit union
The term  credit union  has the meaning given the term in section 101 of the Federal Credit Union Act.
(3)
Covered entity
The term  covered entity  means a depository institution or a credit union.

Tracker

The tracker indicates the progress of this legislation as it moves through the legislative process.

To prohibit covered entities from requiring consumers to solely use digital monthly statements, and for other purposes.

Sponsors

Rep. Michael Turner (R) sponsors H.R. 4538 alone.

Michael Turner

Rep. · R–OH-10 · Sponsor

Show 1 of 1 row

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Committees

H.R. 4538 went before 1 committee: Financial Services.

Financial Services

Financial Services

Referred To · Jul 17, 2025 · 559 Bills

Actions

H.R. 4538 has taken 2 actions since Jul 17, 2025.

Votes

H.R. 4538 has not gone to a roll call.

Titles

H.R. 4538 goes by 4 titles, 2 of them short titles.

• PAPER Act — Display Title
• PAPER Act — Short Title(s) as Introduced
• Protecting Against Paperless and Electronic Requirements Act — Short Title(s) as Introduced
• To prohibit covered entities from requiring consumers to solely use digital monthly statements, and for other purposes. — Official Title as Introduced

Lobbying

2 clients hired 3 firms and 4 registered lobbyists who named H.R. 4538 in 10 quarterly filings, 2025 to 2026. Reported under the Lobbying Disclosure Act; a filing’s income covers everything its registrant worked that quarter, so the amounts below are the filings’, not this bill’s.

Filed under Budget/Appropriations, Financial Institutions/Investments/Securities, Manufacturing, Postal, Tariff (miscellaneous tariff bills), Medicare/Medicaid, Retirement.

Clients

Who paid to be heard, by how many filings named the bill.

Firms

Registrants who filed on the bill, by filings.

Lobbyists

Named on the filings that cite the bill.

Filings

The documents themselves, on the Senate’s Lobbying Disclosure site, largest reported first.

Classification

The Congressional Research Service files H.R. 4538 under Finance and Financial Sector, one of its 31 policy areas.

CRS Subjects

CRS assigns every bill one policy area from its 31; H.R. 4538’s is Finance and Financial Sector.

Source: congress.gov · legiscan.com