This bill would extend consumer credit protections currently available only to active-duty military members and their dependents to all American consumers. Specifically, it applies the Military Lending Act's restrictions on interest rates and fees to general consumer credit products like credit cards and personal loans, with exceptions for home mortgages, auto loans, and federal credit union loans. The Consumer Financial Protection Bureau would have one year after the bill's enactment to issue regulations implementing these protections, which must be at least as strong as the military protections issued by the Department of Defense in 2015. The protections would take effect either when the Bureau issues its rules or 18 months after enactment, whichever comes first. State attorneys general and regulators would be authorized to enforce the rules and sue violators on behalf of their residents, with a three-year statute of limitations for bringing legal action.