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H.R. 3390119th CongressFinance and Financial Sector
Bringing the Discount Window into the 21st Century Act
Sponsored by Rep. Monica De La Cruz (R-TX) · 2 active : 2 Republicans
Latest action: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Where it standsPassed House, now in the Senate15 senators score as swing votes
Passed House
- House: passedFeb 9, 2026
- Senate: next
- President: not yet
Summary
, via Congress.govBringing the Discount Window into the 21st Century Act
This bill requires the Board of Governors of the Federal Reserve System to review and develop a remediation plan for its discount window lending program, which provides loans to depository institutions to support an institution’s security and liquidity.
The review must consider topics such as the sufficiency of the technology infrastructure, the effectiveness of the existing operating hours of the discount window, and how the discount window interacts with other liquidity providers during normal operations and in times of financial distress.
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The remediation plan must address any identified deficiencies, establish timelines and milestones for implementation, and be approved by the board.
The bill requires annual reports to Congress regarding the plan.
How the projections held up
Each member’s recorded vote compared with their swing projection from before the vote. A member by voting against most of their own party.
House
Passed by voice vote or unanimous consent: no individual votes recorded.
Committees and subjects
Committees
- House Committee on Financial Services · HouseReported by · Markup by · Referred to
- Senate Committee on Banking, Housing, and Urban Affairs · SenateReferred to
Subjects
- Banking and financial institutions regulation
- Congressional oversight
- Credit and credit markets
- Federal Reserve System
- Government lending and loan guarantees
- Government studies and investigations
- Monetary policy
Model
Directional: count only breaks toward the other partyWhy do scores change?v3default (selected)v2 model swing-v2
How the Senate breaks down
- 15Swing 70–100
- 66Middle 30–70
- 19Entrenched 0–30
Members fall into . All 100 senators have enough data to score.
Key players in the Senate
Ranked by swing score, 0–100 · swing-v3, directional: only movement toward the other party counts, so members who sit further from the center than their party no longer score as swing votes.
Bars show each input from 0 to 100: ideology gap, scorecard gap, , and the . is the seat’s partisan lean, and shows how much of the input data a score has.
Similar past votes, Senate
Earlier behind swing-v3’s inputLoading similar votes
Cosponsors
2 activeShow all 2 cosponsors
- Daniel Meuser (R-PA-9)
- Frank D. Lucas (R-OK-3)
How the swing score works
Ideology gapHow far a member’s DW-NOMINATE voting score sits from their party’s median in the same chamber.
Scorecard gapHow far their Heritage Action and LCV ratings stray from their party’s average, using the groups’ votes on similar bills where available.
Cross-pressureHow strongly their district or state leans toward the other party, from our own computed partisan lean.
Similar votesHow often they voted against their own party on earlier roll calls about this bill or similar ones.
Committee bonusMembers of the committees handling the bill decide whether it moves, so they get a boost.
Cosponsor checkThe sponsor and active cosponsors have already committed, so they drop toward entrenched.
