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S3616Referred to Committee

Expanding Access to Lending Options Act

Share:
Introduced
In Committee
3
Passed One Chamber
4
Passed Both
5
Signed into Law
119th
Congress
2026-01-13
Introduced
3
Cosponsors
S
ⓘ
Type

Sponsor

Catherine Cortez Masto
Catherine Cortez Masto
Democrat · NV · Senator
Votes with party: 78.8% (841 recorded votes)

Full profile: /officials/C001113

Source: Congress.gov · FEC

Cosponsors (3)

Members who have signed on to support this bill since introduction. Source: Congress.gov.

  • Kevin Cramer (R-ND)Original· 2026-01-13
  • Pete Ricketts (R-NE)· 2026-01-15
  • James C. Justice (R-WV)· 2026-04-21

Latest Action

The most recent step in the bill's legislative path. Committee Activity below shows referrals and reports; the full action-by-action history including floor proceedings lives at Congress.gov →

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

2026-01-13

Source: Congress.gov

Committee Activity

Currently in

  • Senate Committee on Banking, Housing, and Urban AffairsReferred To · 2026-01-13

Previously

  • Banking, Housing, and Urban Affairs CommitteeReferred To · 2026-01-13

Plain-English Summary

The legislation would make it easier for people and small businesses to borrow money by expanding the types of lenders allowed to offer loans and reducing some regulatory restrictions on lending. This could help borrowers who have difficulty getting traditional bank loans access credit more easily, though it might also reduce some consumer protections. The changes would primarily affect banks, credit unions, online lenders, and consumers or small business owners seeking loans.

AI-assisted summary generated from the official bill metadata (title, subjects, actions) sourced from Congress.gov. Cached and reviewed. Always verify against the official text linked below.

Subjects

Finance and Financial Sector
Full bill text is not yet cached locally.
Open text viewRead on Congress.gov

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Bills by the same sponsor or covering overlapping subjects.

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