Banking policy ballot measures

Voters have decided on banking policy ballot measures across the U.S. As a state ballot measure topic, this includes measures regarding banks and banking regulations. The topic is grouped within the budget and tax policy area.

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Upcoming ballot measures

See also: 2026 ballot measures and 2027 ballot measures

The following is a list of state ballot measures related to this topic that are certified or potential for this year and future elections:

There are no ballot measures related to this topic that have qualified for the ballot.

List of state ballot measures

Click the tabs to view state ballot measures related to this topic, organized by year or state.

Years

States

2022

1. Arizona Proposition 209, Healthcare Debt Interest Rate Limit and Debt Collection Exemptions Initiative (2022)

2020

1. Nebraska Initiative 428, Payday Lender Interest Rate Cap Initiative (2020)

2019

1. Washington Advisory Vote 25, Nonbinding Question Concerning a Tax on Certain Financial Institutions (2019)

2018

1. Colorado Proposition 111, Limits on Payday Loan Charges Initiative (2018)

2017

1. Texas Proposition 2, Home Equity Loan Amendment (2017)
2. Texas Proposition 7, Financial Institutions to Offer Prizes to Promote Savings Amendment (2017)

2016

1. South Dakota Limit on Statutory Interest Rates for Loans, Constitutional Amendment U (2016)
2. South Dakota Payday Lending Initiative, Initiated Measure 21 (2016)

2015

1. Louisiana Transportation Infrastructure Bank, Amendment 2 (2015)

2014

1. Louisiana Transportation Infrastructure Bank, Amendment 4 (2014)

2012

1. Alabama Banking Amendment, Amendment 10 (2012)

2010

1. Arkansas Interest Rate Limits, Proposed Amendment 2 (2010)

2008

1. Arizona Proposition 200, Payday Loan Regulations Initiative (2008)
2. Ohio Issue 5, Payday Lending Referendum (2008)

2003

1. Texas Proposition 16, Home Equity Lines of Credit Amendment (September 2003)
2. Texas Proposition 6, Refinance Home Equity and Mortgage Loans Amendment (September 2003)

2002

1. North Dakota Financial Information Disclosure, Referred Measure 2 (2002)
2. North Dakota Youth Initiative, Initiated Statutory Measure 3 (2002)

1998

1. Louisiana State Infrastructure Bank, Amendment 7 (October 1998)

1997

1. Texas Proposition 8, Types of Homestead Liens Amendment (1997)

1986

1. New Mexico Ballot Proposal: Deposit of Public Money (1986)
2. Texas Proposition 4, Regulation of Bank Services Amendment (1986)

1984

1. Nevada Question 4, Deposit of Public Money Amendment (1984)
2. Texas Proposition 1, State Bank Rights Amendment (1984)

1983

1. New York Amendment 3, Issuance of Capital Stock by Savings Banks Amendment (1983)

1982

1. Michigan Proposal C, Laws Relating to Foreclosure Initiative (1982)

1981

1. Wisconsin Question 5, Banking Laws Supermajority Requirement Amendment (April 1981)

1980

1. Colorado Amendment No. 5, Establishing Branches for Commercial Banks Initiative (1980)
2. Kansas Regarding Banks, Amendment 3 (1980)
3. Texas Proposition 1, Teller Machines Amendment (1980)

1978

1. Michigan Proposal C, Deposit of State Funds Amendment (1978)

1977

1. Texas Proposition 6, Electronic Banking Devices Amendment (1977)

1976

1. California Proposition 5, Changes to Corporation Taxes Amendment (June 1976)

1974

1. Utah Proposition 2, Permit the State to Lend Public Credit Amendment (1974)

1970

1. Illinois Banking Act Amendment (1970)

1968

1. Illinois Banking Act, Amendment 1 (1968)
2. Oklahoma State Question 454, Legislative Classification of Loans and Interest Rates Amendment (September 1968)
3. Oklahoma State Question 458, Revise Corporate Stock Restrictions and Requirements Amendment (September 1968)

1966

1. Illinois General Banking Law Amendment (1966)

1964

1. Nebraska Amendment 7, Loan Definition and Regulation Amendment (1964)

1962

1. Illinois General Banking Law Amendment (1962)

1960

1. North Dakota Small Loan Businesses, Referendum 5 (1960)

1958

1. Illinois General Banking Law Amendment (1958)
2. Missouri Proposition 3, Branch Banking Initiative (1958)
3. West Virginia Exemption of Bank Deposits and Money From Taxation Amendment, Amendment 1 (1958)

1956

1. Arizona Proposition 101, Bank Stockholder Liabilities Amendment (September 1956)
2. Arkansas Maximum Interest Rate, Proposed Amendment 51 (1956)
3. Illinois General Banking Law Amendment (1956)

1954

1. Minnesota Limit Liability for State Banks, Amendment 4 (1954)

1952

1. California Proposition 15, Taxation and Fees for Insurance Companies and Banks Amendment (1952)
2. Illinois Double Liability Banking Amendment (1952)
3. Illinois General Banking Law Amendment (1952)
4. North Dakota Clearing Checks, Initiative 1 (1952)

1950

1. Arizona Measure Nos. 100-101, Liability of Bank Stockholders Amendment (September 1950)

1944

1. Alabama Banking, Amendment 6 (1944)
2. Illinois General Banking Law Amendment (1944)
3. Oregon Measure Nos. 300-301, Alternatives Ways to Secure Bank Deposits Amendment (1944)

1943

1. Michigan Proposal No. 2, Alienations and Mortgages on Homesteads Amendment (April 1943)

1942

1. Florida Amendment 8, Garnishment of Wages for Debt Obligations Amendment (1942)

1940

1. Illinois General Banking Law Amendment (1940)
2. Oregon Measure Nos. 304-305, Repeal of Double Liability on State Bank Shareholders Amendment (1940)
3. Utah Amendment 1, Permit the Legislature to Determine Banking Liability Levels Measure (1940)

1938

1. Illinois Banking Amendment (1938)
2. Missouri Amendment 7, Changes to Legislative, Fiscal, and Public Welfare Provisions Initiative (1938)
3. Nebraska Amendment 2, Stockholder Liability Amendment (1938)
4. North Dakota Legal Rates of Interest Initiative (1938)
5. Oregon Measure Nos. 302-303, Repeal of Double Liability on Bank Stockholders Amendment (1938)

1937

1. Texas Proposition 1, Liability of State Bank Stockholders Amendment (August 1937)

1936

1. Nebraska Amendment 2, Stockholder Liability Amendment (1936)
2. Ohio Stockholder Liability Amendment (1936)
3. Oregon Measure Nos. 316-317, Creation of State Bank Initiative (1936)
4. South Dakota Amendment E, Responsibility of Bank Shareholders Measure (1936)
5. Utah Amendment 4, Permit the Legislature to Determine Banking Liability Levels Measure (1936)

1935

1. New York Amendment 3, Bank Stockholder Liability Amendment (1935)

1933

1. North Dakota Administration of Insolvent Banks Referendum (1933)

1932

1. California Proposition 15, Deposit of Money Amendment (1932)
2. California Proposition 3, Foreclosure of Mortgages and Trust Deeds Initiative (1932)
3. Illinois Banking Law Amendment (1932)
4. North Dakota Crop Mortgage Initiative (1932)
5. North Dakota Outlawing Crop Mortgages Initiative (1932)

1930

1. Illinois Banking Law Amendment (1930)
2. Michigan Increase Exemption Amount for Primary Residence from Forced Sale Amendment (1930)
3. Nebraska Amendment 1, Stockholder Liability Amendment (1930)
4. Nebraska Amendment 2, Depositors Guaranty Fund Amendment (1930)
5. North Dakota Repeal Depositor's Guaranty Fund Referendum (1930)

1928

1. North Dakota Deposits Closed Bank Bond Initiative (1928)

1926

1. South Dakota Referred Law 1, Depositors Guarantee Fund Measure (1926)

1924

1. Illinois Banking Law Amendment (1924)
2. Illinois Banking Law Amendment (Section 9) (1924)
3. Massachusetts Question 5, Foreign Banking Regulations Referendum (1924)
4. Missouri Amendment 16, Corporate Stock Regulation Measure (February 1924)
5. North Dakota Compromise Bank Stock Taxes Referendum (1924)

1922

1. Nebraska Referendum 1, Bank Charters Referendum (1922)
2. North Dakota Bonds Initiative (1922)
3. South Dakota Referred Law 4, State Owned Banks Initiative (1922)

1921

1. North Dakota Abolish Bank of North Dakota Initiative (1921)
2. North Dakota Public Depositories Initiative (1921)
3. North Dakota Rural Credit Initiative (1921)

1920

1. Illinois General Banking Law Amendment (1920)
2. North Dakota Deposit of Public Funds Initiative (1920)
3. North Dakota Real Estate Loans Initiative (1920)
4. Oregon Measure Nos. 314-315, Fixed Legal Rate of Interest Initiative (1920)

1919

1. Massachusetts Question 2, Interest and Dividends on Saving Deposits in Banks Referendum (1919)
2. North Dakota Bank of North Dakota Referendum (1919)

1918

1. Illinois General Banking Law Amendment (1918)

1916

1. Illinois Amendment to General Banking Law (1916)
2. Missouri Amendment 2, Establish Missouri State Land Bank Initiative (1916)
3. South Dakota Referred Law 4, Department of Banking and Finance Referendum (1916)
4. South Dakota State Banking Board (1916)

1915

1. Alabama Bank Obligations, Amendment 3 (1915)
2. California Proposition 6, Deposit of Public Moneys Amendment (October 1915)

1914

1. Arizona Measure Nos. 324-325, State Development Projects Initiative (1914)
2. California Proposition 15, Public Money Deposits Initiative (1914)
3. California Proposition 22, Land Title Initiative (1914)

1912

1. California Proposition 2, Irrigation District Bond Securities Rules Amendment (1912)
2. Ohio Stockholder Liability and Inspections of Private Banks Amendment (September 1912)
3. Oregon Measure Nos. 312-313, Stockholders Liable to Depositors Amendment (1912)

1910

1. California Amendment 44, City and Town Classification Measure (1910)

1908

1. Illinois Amendment to General Banking Law (1908)

1904

1. Texas Proposition 2, Incorporation of Banks Amendment (1904)

1902

1. Wisconsin Question 1, General Banking Law Amendment (1902)

1898

1. Wisconsin Question 1, Revised Banking Law Measure (1898)

1894

1. South Dakota Define Homestead Value and Size for Exemption from Court-Ordered Seizure Amendment (1894)

1891

1. Texas Proposition 1, State Interest Rate Reduction Amendment (August 1891)

1890

1. Illinois General Banking Law Amendment (1890)
2. Maryland Amend Article 12, Section 3 of the Constitution, Amendment 4 (1890)

1888

1. Michigan Department of Banking Measure (1888)

1877

1. Minnesota Amendment 5, Establishing Single Liability for Corporate Stockholders Measure (1877)

1876

1. Minnesota Amendment 2, Establishing Single Liability for Corporate Stockholders Measure (1876)
2. Wisconsin Question 1, Savings Bank Incorporation Referendum (1876)

1874

1. New York Amendment 6, Regulation on Banking and Local Government Finance Amendment (1874)

1871

1. Nebraska Liability of Stockholders Amendment (September 1871)

1868

1. Wisconsin Question 1, Bank Comptroller Referendum (1868)

1867

1. Minnesota Amendment 2, Authorizing Taxation of Bank Shares Measure (1867)
2. Wisconsin Question 2, General Banking Law Referendum (1867)

1866

1. Wisconsin Question 1, General Banking Law Referendum (1866)

1862

1. Michigan Banking Amendment (1862)
2. Wisconsin Question 2, General Banking Law Referendum (1862)

1861

1. Wisconsin Question 1, General Banking Law Referendum (1861)

1860

1. Michigan Liability of Stockholders and Officers of Banking Organizations Amendment (1860)

1858

1. Michigan General Banking Measure (1858)
2. Wisconsin Question 1, General Banking Law Referendum (1858)

1857

1. Ohio Bank Taxation, Amendment 3 (October 1857)

1852

1. Wisconsin Question 1, General Banking Law Referendum (1852)

1851

1. Wisconsin Question 1, State Banks Advisory Question (1851)

Alabama

1. Alabama Bank Obligations, Amendment 3 (1915)
2. Alabama Banking, Amendment 6 (1944)
3. Alabama Banking Amendment, Amendment 10 (2012)

Arizona

1. Arizona Measure Nos. 100-101, Liability of Bank Stockholders Amendment (September 1950)
2. Arizona Measure Nos. 324-325, State Development Projects Initiative (1914)
3. Arizona Proposition 101, Bank Stockholder Liabilities Amendment (September 1956)
4. Arizona Proposition 200, Payday Loan Regulations Initiative (2008)
5. Arizona Proposition 209, Healthcare Debt Interest Rate Limit and Debt Collection Exemptions Initiative (2022)

Arkansas

1. Arkansas Interest Rate Limits, Proposed Amendment 2 (2010)
2. Arkansas Maximum Interest Rate, Proposed Amendment 51 (1956)

California

1. California Amendment 44, City and Town Classification Measure (1910)
2. California Proposition 15, Deposit of Money Amendment (1932)
3. California Proposition 15, Public Money Deposits Initiative (1914)
4. California Proposition 15, Taxation and Fees for Insurance Companies and Banks Amendment (1952)
5. California Proposition 2, Irrigation District Bond Securities Rules Amendment (1912)
6. California Proposition 22, Land Title Initiative (1914)
7. California Proposition 3, Foreclosure of Mortgages and Trust Deeds Initiative (1932)
8. California Proposition 5, Changes to Corporation Taxes Amendment (June 1976)
9. California Proposition 6, Deposit of Public Moneys Amendment (October 1915)

Colorado

1. Colorado Amendment No. 5, Establishing Branches for Commercial Banks Initiative (1980)
2. Colorado Proposition 111, Limits on Payday Loan Charges Initiative (2018)

Florida

1. Florida Amendment 8, Garnishment of Wages for Debt Obligations Amendment (1942)

Illinois

1. Illinois Amendment to General Banking Law (1908)
2. Illinois Amendment to General Banking Law (1916)
3. Illinois Banking Act, Amendment 1 (1968)
4. Illinois Banking Act Amendment (1970)
5. Illinois Banking Amendment (1938)
6. Illinois Banking Law Amendment (1924)
7. Illinois Banking Law Amendment (1930)
8. Illinois Banking Law Amendment (1932)
9. Illinois Banking Law Amendment (Section 9) (1924)
10. Illinois Double Liability Banking Amendment (1952)
11. Illinois General Banking Law Amendment (1890)
12. Illinois General Banking Law Amendment (1918)
13. Illinois General Banking Law Amendment (1920)
14. Illinois General Banking Law Amendment (1940)
15. Illinois General Banking Law Amendment (1944)
16. Illinois General Banking Law Amendment (1952)
17. Illinois General Banking Law Amendment (1956)
18. Illinois General Banking Law Amendment (1958)
19. Illinois General Banking Law Amendment (1962)
20. Illinois General Banking Law Amendment (1966)

Kansas

1. Kansas Regarding Banks, Amendment 3 (1980)

Louisiana

1. Louisiana State Infrastructure Bank, Amendment 7 (October 1998)
2. Louisiana Transportation Infrastructure Bank, Amendment 2 (2015)
3. Louisiana Transportation Infrastructure Bank, Amendment 4 (2014)

Maryland

1. Maryland Amend Article 12, Section 3 of the Constitution, Amendment 4 (1890)

Massachusetts

1. Massachusetts Question 2, Interest and Dividends on Saving Deposits in Banks Referendum (1919)
2. Massachusetts Question 5, Foreign Banking Regulations Referendum (1924)

Michigan

1. Michigan Banking Amendment (1862)
2. Michigan Department of Banking Measure (1888)
3. Michigan General Banking Measure (1858)
4. Michigan Increase Exemption Amount for Primary Residence from Forced Sale Amendment (1930)
5. Michigan Liability of Stockholders and Officers of Banking Organizations Amendment (1860)
6. Michigan Proposal C, Deposit of State Funds Amendment (1978)
7. Michigan Proposal C, Laws Relating to Foreclosure Initiative (1982)
8. Michigan Proposal No. 2, Alienations and Mortgages on Homesteads Amendment (April 1943)

Minnesota

1. Minnesota Amendment 2, Authorizing Taxation of Bank Shares Measure (1867)
2. Minnesota Amendment 2, Establishing Single Liability for Corporate Stockholders Measure (1876)
3. Minnesota Amendment 5, Establishing Single Liability for Corporate Stockholders Measure (1877)
4. Minnesota Limit Liability for State Banks, Amendment 4 (1954)

Missouri

1. Missouri Amendment 16, Corporate Stock Regulation Measure (February 1924)
2. Missouri Amendment 2, Establish Missouri State Land Bank Initiative (1916)
3. Missouri Amendment 7, Changes to Legislative, Fiscal, and Public Welfare Provisions Initiative (1938)
4. Missouri Proposition 3, Branch Banking Initiative (1958)

Nebraska

1. Nebraska Amendment 1, Stockholder Liability Amendment (1930)
2. Nebraska Amendment 2, Depositors Guaranty Fund Amendment (1930)
3. Nebraska Amendment 2, Stockholder Liability Amendment (1936)
4. Nebraska Amendment 2, Stockholder Liability Amendment (1938)
5. Nebraska Amendment 7, Loan Definition and Regulation Amendment (1964)
6. Nebraska Initiative 428, Payday Lender Interest Rate Cap Initiative (2020)
7. Nebraska Liability of Stockholders Amendment (September 1871)
8. Nebraska Referendum 1, Bank Charters Referendum (1922)

Nevada

1. Nevada Question 4, Deposit of Public Money Amendment (1984)

New Mexico

1. New Mexico Ballot Proposal: Deposit of Public Money (1986)

New York

1. New York Amendment 3, Bank Stockholder Liability Amendment (1935)
2. New York Amendment 3, Issuance of Capital Stock by Savings Banks Amendment (1983)
3. New York Amendment 6, Regulation on Banking and Local Government Finance Amendment (1874)

North Dakota

1. North Dakota Abolish Bank of North Dakota Initiative (1921)
2. North Dakota Administration of Insolvent Banks Referendum (1933)
3. North Dakota Bank of North Dakota Referendum (1919)
4. North Dakota Bonds Initiative (1922)
5. North Dakota Clearing Checks, Initiative 1 (1952)
6. North Dakota Compromise Bank Stock Taxes Referendum (1924)
7. North Dakota Crop Mortgage Initiative (1932)
8. North Dakota Deposit of Public Funds Initiative (1920)
9. North Dakota Deposits Closed Bank Bond Initiative (1928)
10. North Dakota Financial Information Disclosure, Referred Measure 2 (2002)
11. North Dakota Legal Rates of Interest Initiative (1938)
12. North Dakota Outlawing Crop Mortgages Initiative (1932)
13. North Dakota Public Depositories Initiative (1921)
14. North Dakota Real Estate Loans Initiative (1920)
15. North Dakota Repeal Depositor's Guaranty Fund Referendum (1930)
16. North Dakota Rural Credit Initiative (1921)
17. North Dakota Small Loan Businesses, Referendum 5 (1960)
18. North Dakota Youth Initiative, Initiated Statutory Measure 3 (2002)

Ohio

1. Ohio Bank Taxation, Amendment 3 (October 1857)
2. Ohio Issue 5, Payday Lending Referendum (2008)
3. Ohio Stockholder Liability Amendment (1936)
4. Ohio Stockholder Liability and Inspections of Private Banks Amendment (September 1912)

Oklahoma

1. Oklahoma State Question 454, Legislative Classification of Loans and Interest Rates Amendment (September 1968)
2. Oklahoma State Question 458, Revise Corporate Stock Restrictions and Requirements Amendment (September 1968)

Oregon

1. Oregon Measure Nos. 300-301, Alternatives Ways to Secure Bank Deposits Amendment (1944)
2. Oregon Measure Nos. 302-303, Repeal of Double Liability on Bank Stockholders Amendment (1938)
3. Oregon Measure Nos. 304-305, Repeal of Double Liability on State Bank Shareholders Amendment (1940)
4. Oregon Measure Nos. 312-313, Stockholders Liable to Depositors Amendment (1912)
5. Oregon Measure Nos. 314-315, Fixed Legal Rate of Interest Initiative (1920)
6. Oregon Measure Nos. 316-317, Creation of State Bank Initiative (1936)

South Dakota

1. South Dakota Amendment E, Responsibility of Bank Shareholders Measure (1936)
2. South Dakota Define Homestead Value and Size for Exemption from Court-Ordered Seizure Amendment (1894)
3. South Dakota Limit on Statutory Interest Rates for Loans, Constitutional Amendment U (2016)
4. South Dakota Payday Lending Initiative, Initiated Measure 21 (2016)
5. South Dakota Referred Law 1, Depositors Guarantee Fund Measure (1926)
6. South Dakota Referred Law 4, Department of Banking and Finance Referendum (1916)
7. South Dakota Referred Law 4, State Owned Banks Initiative (1922)
8. South Dakota State Banking Board (1916)

Texas

1. Texas Proposition 1, Liability of State Bank Stockholders Amendment (August 1937)
2. Texas Proposition 1, State Bank Rights Amendment (1984)
3. Texas Proposition 1, State Interest Rate Reduction Amendment (August 1891)
4. Texas Proposition 1, Teller Machines Amendment (1980)
5. Texas Proposition 16, Home Equity Lines of Credit Amendment (September 2003)
6. Texas Proposition 2, Home Equity Loan Amendment (2017)
7. Texas Proposition 2, Incorporation of Banks Amendment (1904)
8. Texas Proposition 4, Regulation of Bank Services Amendment (1986)
9. Texas Proposition 6, Electronic Banking Devices Amendment (1977)
10. Texas Proposition 6, Refinance Home Equity and Mortgage Loans Amendment (September 2003)
11. Texas Proposition 7, Financial Institutions to Offer Prizes to Promote Savings Amendment (2017)
12. Texas Proposition 8, Types of Homestead Liens Amendment (1997)

Utah

1. Utah Amendment 1, Permit the Legislature to Determine Banking Liability Levels Measure (1940)
2. Utah Amendment 4, Permit the Legislature to Determine Banking Liability Levels Measure (1936)
3. Utah Proposition 2, Permit the State to Lend Public Credit Amendment (1974)

Washington

1. Washington Advisory Vote 25, Nonbinding Question Concerning a Tax on Certain Financial Institutions (2019)

West Virginia

1. West Virginia Exemption of Bank Deposits and Money From Taxation Amendment, Amendment 1 (1958)

Wisconsin

1. Wisconsin Question 1, Bank Comptroller Referendum (1868)
2. Wisconsin Question 1, General Banking Law Amendment (1902)
3. Wisconsin Question 1, General Banking Law Referendum (1852)
4. Wisconsin Question 1, General Banking Law Referendum (1858)
5. Wisconsin Question 1, General Banking Law Referendum (1861)
6. Wisconsin Question 1, General Banking Law Referendum (1866)
7. Wisconsin Question 1, Revised Banking Law Measure (1898)
8. Wisconsin Question 1, Savings Bank Incorporation Referendum (1876)
9. Wisconsin Question 1, State Banks Advisory Question (1851)
10. Wisconsin Question 2, General Banking Law Referendum (1862)
11. Wisconsin Question 2, General Banking Law Referendum (1867)
12. Wisconsin Question 5, Banking Laws Supermajority Requirement Amendment (April 1981)

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