Public Law 119-73 (01/23/2026)

12 U.S.C. § 5801

Findings and purpose

(a)

Findings

Congress finds that—
(1)
LIBOR is used as a benchmark rate in more than $200,000,000,000,000 worth of contracts worldwide;
(2)
a significant number of existing contracts that reference LIBOR do not provide for the use of a clearly defined or practicable replacement benchmark rate when LIBOR is discontinued; and
(3)
the cessation or nonrepresentativeness of LIBOR could result in disruptive litigation related to existing contracts that do not provide for the use of a clearly defined or practicable replacement benchmark rate.
(b)

Purpose

It is the purpose of this chapter—
(1)
to establish a clear and uniform process, on a nationwide basis, for replacing LIBOR in existing contracts the terms of which do not provide for the use of a clearly defined or practicable replacement benchmark rate, without affecting the ability of parties to use any appropriate benchmark rate in new contracts;
(2)
to preclude litigation related to existing contracts the terms of which do not provide for the use of a clearly defined or practicable replacement benchmark rate;
(3)
to allow existing contracts that reference LIBOR but provide for the use of a clearly defined and practicable replacement rate, to operate according to their terms; and
(4)
to address LIBOR references in Federal law.

Pub. L. 117–103, div. U, § 102136 Stat. 825(, , .)

Editorial Notes

References in Text

Pub. L. 117–103136 Stat. 825This chapter, referred to in subsec. (b), was in the original “this division”, meaning div. U of , , , known as the Adjustable Interest Rate (LIBOR) Act, which is classified principally to this chapter. For complete classification of div. U to the Code, see Short Title note set out below and Tables.

Statutory Notes and Related Subsidiaries

Short Title

Pub. L. 117–103, div. U, § 101136 Stat. 825

section 77ppp of Title 15section 1087–1 of Title 20“This division [enacting this chapter and amending , Commerce and Trade, and , Education] may be cited as the ‘Adjustable Interest Rate (LIBOR) Act’.”
, , , provided that: