1. Short title This Act may be cited as the Small Business and Consumer Emergency Credit Act . 2. Limitations on consumer credit and maximum rates of interest (a) In general Chapter 2 of the Truth in Lending Act ( 15 U.S.C. 1631 et seq.) is amended by adding at the end the following: 140B. Limitations on consumer, small business, and nonprofit maximum rates of interest during national emergencies (a) Definitions In this section, the term consumer credit includes consumer credit and credit extended to— (1) an organization that is described in section 501(c)(3) of the Internal Revenue Code of 1986 and exempt from tax under section 501(a) of such Code