January White Paper: Review and Preview
AFSA’s State Government Affairs team released its latest white paper, which provides a 2026 State Legislative Session preview and 2025 year-in review.
The 2026 State Legislative agenda is focused on such emerging issues as Artificial Intelligence (AI), data governance, and information privacy. While debt collection, rate caps, and vehicle finance saw high legislative volume in 2025, other long-established areas, such as mortgage servicing, have declined from historical peaks. Momentum is increasing for privacy legislation, credit reporting reforms, and ESG restrictions, signaling that states are poised to significantly test new regulatory boundaries in these evolving and modern areas.
AFSA’s white paper also highlights the rise of topics in the 2025 legislative year that are expected to become highly debated issues in 2026.
This paper, along with SGA’s other white papers, can be found on the SGA resources section of AFSA’s website.
January 8th, 2026
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