The "Stopping Abuse and Fraud in Electronic Lending Act of 2025," or SAFE Lending Act, aims to bolster consumer protections within the realm of electronic and small-dollar lending. It proposes significant amendments to both the Truth in Lending Act and the Electronic Fund Transfer Act. The legislation focuses on increasing consumer control over bank accounts, enhancing transparency in small-dollar lending practices, and curbing abusive lead generation tactics. A key provision of the bill prohibits the issuance of unauthorized remotely created checks , requiring consumers to provide explicit written designation to their financial institution for such checks to be valid. Consumers retain the right to revoke these designations at any time, and the bill forbids payment orders that are issued in response to a consumer exercising their rights under financial protection laws. Furthermore, electronic fund transfers used for repaying small-dollar consumer credit transactions will now be treated as preauthorized electronic fund transfers , thereby affording them stronger consumer protections. Regarding small-dollar lending, the Act defines these transactions as credit up to $5,000 (or more by rule) with short repayment terms or specific open-end credit plans. Lenders engaging in these small-dollar consumer credit transactions are mandated to register with the Bureau of Consumer Financial Protection. Importantly, any such transactions conducted remotely (e.g., via internet, phone) or by national banks must adhere to the annual percentage rates, interest, and fee laws of the consumer's state of residence. The bill also introduces restrictions on lead generation for small-dollar consumer credit, prohibiting the distribution of sensitive personal financial information unless the entity is directly providing the credit. Lead generators must prominently disclose their contact information. Additionally, the legislation bans fees for overdrafts on prepaid accounts and empowers the Bureau of Consumer Financial Protection to prohibit other prepaid account fees to prevent unfair or deceptive practices. Finally, it requires the Comptroller General to conduct a study on the impact of small-dollar credit on Indian Tribes and directs the BCFP to issue implementing rules within one year.