National Finance and Banking Key Votes

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Vote Smart provides easy access to congressional and state voting records and maintains a collection of key votes grouped by issue. Vote Smart uses the following criteria to select key votes:

  1. The vote should be helpful in portraying how a member stands on a particular issue
  2. The vote should be clear for any person to understand
  3. The vote has received media attention
  4. The vote was passed or defeated by a very close margin
  5. Occasionally, if a specific bill is consistently inquired about on the Voter's Research Hotline, the vote will be added

Vote Smart provides a summary of the version of the bill text associated with each selected key vote. Our summaries are written by Vote Smart's staff and interns, who adhere to our strict policies and procedures in order to guarantee absolute impartiality and accuracy. They do not necessarily reflect the content of the final version of the bill, but rather the version voted on in that stage. While many procedural votes take place before a full chamber vote, our voting stages reflect the final reading of each chamber vote. Each key vote selection is reviewed by the project's community of advisors, who are political scientists and journalists from all fifty states.

For more information about the legislative process, see here.


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Date State Bill No. Title Outcome
Jan. 10, 2024 National S J Res 32 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)". Veto Override Failed - Senate (54 - 45)
Nov. 15, 2023 National S J Res 43 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to "Improving Income Driven Repayment for the William D. Ford Federal Direct Loan Program and the Federal Family Education Loan (FFEL) Program". Bill Failed - Senate (49 - 50)
Oct. 18, 2023 National S J Res 32 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)". Joint Resolution Passed - Senate (53 - 44)
June 1, 2023 National H J Res 45 Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to "Waivers and Modifications of Federal Student Loans". Joint Resolution Passed - Senate (52 - 46)
March 1, 2023 National H J Res 30 Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Labor relating to "Prudence and Loyalty in Selecting Plan Investments and Exercising Shareholder Rights" Joint Resolution Passed - Senate (50 - 46)
May 11, 2021 National S J Res 15 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of Currency relating to "National Banks and Federal Savings Associations as Lenders". Joint Resolution Passed - Senate (52 - 47)
March 11, 2020 National H J Res 76 Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to "Borrower Defense Institutional Accountability" Bill Passed - Senate (53 - 42)
Dec. 12, 2018 National S J Res 64 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of the Treasury relating to "Returns by Exempt Organizations and Returns by Certain Non-Exempt Organizations" Bill Passed - Senate (50 - 49)
Dec. 11, 2018 National PN 1803 Nomination of Justin George Muzinich to be Deputy Director of the Department of the Treasury (55 - 44)
Dec. 10, 2018 National PN 1803 Nomination of Justin George Muzinich to be Deputy Director of the Department of the Treasury Cloture Invoked - Senate (55 - 43)
Dec. 6, 2018 National PN 2170 Nomination of Kathleen Laura Kraninger to be the Director of the Bureau of Consumer Financial Protection (50 - 49)
Nov. 29, 2018 National PN 2170 Nomination of Kathleen Laura Kraninger to be the Director of the Bureau of Consumer Financial Protection Cloture Invoked - Senate (50 - 49)
March 14, 2018 National S 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act Bill Passed - Senate (67 - 31)
Oct. 24, 2017 National H J Res 111 Providing for Congressional Disapproval of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" Bill Passed - Senate (51 - 50)
May 2, 2017 National PN 47 Nomination of Jay Clayton to be a Member of the Securities and Exchange Commission Nomination Confirmed - Senate (61 - 37)
May 1, 2017 National PN 47 Nomination of Jay Clayton to be a Member of the Securities and Exchange Commission Cloture Invoked - Senate (60 - 36)
June 29, 2016 National S 2328 Puerto Rico Oversight, Management, and Economic Stability Act (PROMESA) Concurrence Vote Failed - Senate (68 - 30)
May 24, 2016 National H J Res 88 Disapproving the Rule Submitted by the Department of Labor Relating to the Definition of the Term "Fiduciary" Joint Resolution Passed - Senate (56 - 41)
Jan. 12, 2016 National S 2232 Federal Reserve Transparency Act of 2015 Cloture Not Invoked - Senate (53 - 44)
Sept. 18, 2014 National H J Res 124 Continuing Appropriations Resolution, 2015 Joint Resolution Passed - Senate (78 - 22)
June 11, 2014 National S 2432 Bank on Students Emergency Loan Refinancing Act Cloture Not Invoked - Senate (56 - 38)
July 24, 2013 National HR 1911 Bipartisan Student Loan Certainty Act of 2013 Bill Passed - Senate (81 - 18)
July 24, 2013 National S Amdt 1778 Limits Interest Rates for Certain Federal Student Loans Amendment Rejected - Senate (46 - 53)
May 15, 2012 National HR 2072 Export-Import Bank Reauthorization Act of 2012 Bill Passed - Senate (78 - 20)
March 20, 2012 National S Amdt 1836 Reauthorizing the Export-Import Bank of the United States Cloture Not Invoked - Senate (55 - 44)
Feb. 2, 2012 National S 2038 Prohibits Insider Trading by Government Officials Bill Passed - Senate (96 - 3)
Nov. 10, 2011 National S Amdt 928 American Jobs and Economic Growth Amendment Rejected - Senate (40 - 56)
June 8, 2011 National S Amdt 392 Debit Card Transactions Amendment Rejected - Senate (54 - 45)
Feb. 2, 2011 National S Amdt 28 Repealing the IRS 1099 Provision from the Health Care Bill Amendment Rejected - Senate (44 - 54)
Sept. 16, 2010 National HR 5297 Small Business Lending Fund and Tax Law Amendments Bill Passed - Senate (61 - 38)
July 29, 2010 National S Amdt 4519 Small Business Lending Fund and Tax Law Amendments Cloture Not Invoked - Senate (58 - 42)
July 15, 2010 National HR 4173 Dodd-Frank Wall Street Reform and Consumer Protection Act Conference Report Adopted - Senate (60 - 39)
May 20, 2010 National HR 4173 Dodd-Frank Wall Street Reform and Consumer Protection Act Bill Passed - Senate (59 - 39)
May 19, 2010 National S Amdt 3746 Allowing States to Limit Credit Card Interest Rates Amendment Rejected - Senate (35 - 60)
May 18, 2010 National S Amdt 4114 Credit Default Swap Regulations Amendment Tabled - Senate (57 - 38)
May 18, 2010 National S Amdt 4034 Federal Preemption Over State Consumer Financial Laws Amendment Rejected - Senate (43 - 55)
May 18, 2010 National S Amdt 4072 Inspector General Appointment Modification Amendment Adopted - Senate (75 - 21)
May 18, 2010 National S Amdt 4071 Amending State Authority to Enforce Consumer Financial Regulations Amendment Adopted - Senate (80 - 18)
May 13, 2010 National S Amdt 3832 Establishing Bankruptcy Process for Non-bank Financial Institutions Amendment Rejected - Senate (42 - 58)
May 13, 2010 National S Amdt 3991 Credit Rating Agency Board Amendment Adopted - Senate (64 - 35)
May 13, 2010 National S Amdt 3989 Debit Card Fee Regulations Amendment Adopted - Senate (64 - 33)
May 13, 2010 National S Amdt 3987 Bureau of Consumer Financial Protection Termination Amendment Rejected - Senate (40 - 55)
May 12, 2010 National S Amdt 3955 Establishing New Mortgage Underwriting Requirements and Eliminating a Risk Retention Requirement Amendment Rejected - Senate (42 - 57)
May 12, 2010 National S Amdt 3962 Home Loan Regulation Modifications Amendment Adopted - Senate (63 - 36)
May 12, 2010 National S Amdt 3816 Derivatives Regulation Modifications Amendment Rejected - Senate (39 - 59)
May 11, 2010 National S Amdt 3938 Study on Ending the Conservatorships of Fannie Mae and Freddie Mac Amendment Adopted - Senate (63 - 36)
May 11, 2010 National S Amdt 3760 Federal Reserve Audit Amendment Rejected - Senate (37 - 62)
May 6, 2010 National S Amdt 3826 Consumer Financial Protection Division Within The FDIC Amendment Rejected - Senate (38 - 61)
Feb. 24, 2010 National HR 2847 Employment, Infrastructure, and Transportation Appropriations and Tax Credits ("Senate Jobs Bill") Concurrence Vote Passed - Senate (70 - 28)
Jan. 28, 2010 National PN 959 Ben S. Bernanke, Federal Reserve Chairman Nomination Confirmed - Senate (70 - 30)
Jan. 15, 2009 National S J Res 5 Releasing Funds for Economic Stabilization Act Joint Resolution Failed - Senate (42 - 52)
Oct. 1, 2008 National HR 1424 Financial Asset Purchase Authority and Tax Law Amendments Bill Passed - Senate (74 - 25)
June 25, 2008 National S Amdt 4983 Housing Foreclosure Assistance Programs Amendment Adopted - Senate (79 - 16)
March 14, 2006 National S Amdt 3013 Reinstate Pay-As-You-Go through 2011 Amendment Amendment Rejected - Senate (50 - 50)
March 10, 2005 National S 256 Bankruptcy Reform Bill Bill Passed - Senate (74 - 25)
July 15, 2002 National S 2673 Accounting Industry Reform bill Bill Passed - Senate (97 - 0)
Feb. 2, 2000 National HR 833 Bankruptcy Reform bill Bill Passed - Senate (83 - 14)
May 13, 1998 National S 1260 Securities Litigation Bill Passed - Senate (79 - 21)
Dec. 22, 1995 National HR 1058 Legal Reform bill Veto Override Passed - Senate (68 - 30)
Dec. 5, 1995 National HR 1058 Legal Reform bill Conference Report Adopted - Senate (65 - 30)
June 28, 1995 National HR 1058 Legal Reform bill Bill Passed - Senate (69 - 30)
Nov. 20, 1993 National S 714 Resolution Trust Corporation Completion Act Conference Report Adopted - Senate (54 - 45)
May 13, 1993 National S 714 Resolution Trust Corporation Completion Act Bill Passed - Senate (61 - 35)
Date No. Title Outcome
1/10 S J Res 32 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)". Veto Override Failed - Senate (54 - 45)
11/15 S J Res 43 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to "Improving Income Driven Repayment for the William D. Ford Federal Direct Loan Program and the Federal Family Education Loan (FFEL) Program". Bill Failed - Senate (49 - 50)
10/18 S J Res 32 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)". Joint Resolution Passed - Senate (53 - 44)
6/01 H J Res 45 Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to "Waivers and Modifications of Federal Student Loans". Joint Resolution Passed - Senate (52 - 46)
3/01 H J Res 30 Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Labor relating to "Prudence and Loyalty in Selecting Plan Investments and Exercising Shareholder Rights" Joint Resolution Passed - Senate (50 - 46)
5/11 S J Res 15 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of Currency relating to "National Banks and Federal Savings Associations as Lenders". Joint Resolution Passed - Senate (52 - 47)
3/11 H J Res 76 Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to "Borrower Defense Institutional Accountability" Bill Passed - Senate (53 - 42)
12/12 S J Res 64 A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of the Treasury relating to "Returns by Exempt Organizations and Returns by Certain Non-Exempt Organizations" Bill Passed - Senate (50 - 49)
12/11 PN 1803 Nomination of Justin George Muzinich to be Deputy Director of the Department of the Treasury (55 - 44)
12/10 PN 1803 Nomination of Justin George Muzinich to be Deputy Director of the Department of the Treasury Cloture Invoked - Senate (55 - 43)
12/06 PN 2170 Nomination of Kathleen Laura Kraninger to be the Director of the Bureau of Consumer Financial Protection (50 - 49)
11/29 PN 2170 Nomination of Kathleen Laura Kraninger to be the Director of the Bureau of Consumer Financial Protection Cloture Invoked - Senate (50 - 49)
3/14 S 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act Bill Passed - Senate (67 - 31)
10/24 H J Res 111 Providing for Congressional Disapproval of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" Bill Passed - Senate (51 - 50)
5/02 PN 47 Nomination of Jay Clayton to be a Member of the Securities and Exchange Commission Nomination Confirmed - Senate (61 - 37)
5/01 PN 47 Nomination of Jay Clayton to be a Member of the Securities and Exchange Commission Cloture Invoked - Senate (60 - 36)
6/29 S 2328 Puerto Rico Oversight, Management, and Economic Stability Act (PROMESA) Concurrence Vote Failed - Senate (68 - 30)
5/24 H J Res 88 Disapproving the Rule Submitted by the Department of Labor Relating to the Definition of the Term "Fiduciary" Joint Resolution Passed - Senate (56 - 41)
1/12 S 2232 Federal Reserve Transparency Act of 2015 Cloture Not Invoked - Senate (53 - 44)
9/18 H J Res 124 Continuing Appropriations Resolution, 2015 Joint Resolution Passed - Senate (78 - 22)
6/11 S 2432 Bank on Students Emergency Loan Refinancing Act Cloture Not Invoked - Senate (56 - 38)
7/24 HR 1911 Bipartisan Student Loan Certainty Act of 2013 Bill Passed - Senate (81 - 18)
7/24 S Amdt 1778 Limits Interest Rates for Certain Federal Student Loans Amendment Rejected - Senate (46 - 53)
5/15 HR 2072 Export-Import Bank Reauthorization Act of 2012 Bill Passed - Senate (78 - 20)
3/20 S Amdt 1836 Reauthorizing the Export-Import Bank of the United States Cloture Not Invoked - Senate (55 - 44)
2/02 S 2038 Prohibits Insider Trading by Government Officials Bill Passed - Senate (96 - 3)
11/10 S Amdt 928 American Jobs and Economic Growth Amendment Rejected - Senate (40 - 56)
6/08 S Amdt 392 Debit Card Transactions Amendment Rejected - Senate (54 - 45)
2/02 S Amdt 28 Repealing the IRS 1099 Provision from the Health Care Bill Amendment Rejected - Senate (44 - 54)
9/16 HR 5297 Small Business Lending Fund and Tax Law Amendments Bill Passed - Senate (61 - 38)
7/29 S Amdt 4519 Small Business Lending Fund and Tax Law Amendments Cloture Not Invoked - Senate (58 - 42)
7/15 HR 4173 Dodd-Frank Wall Street Reform and Consumer Protection Act Conference Report Adopted - Senate (60 - 39)
5/20 HR 4173 Dodd-Frank Wall Street Reform and Consumer Protection Act Bill Passed - Senate (59 - 39)
5/19 S Amdt 3746 Allowing States to Limit Credit Card Interest Rates Amendment Rejected - Senate (35 - 60)
5/18 S Amdt 4114 Credit Default Swap Regulations Amendment Tabled - Senate (57 - 38)
5/18 S Amdt 4034 Federal Preemption Over State Consumer Financial Laws Amendment Rejected - Senate (43 - 55)
5/18 S Amdt 4072 Inspector General Appointment Modification Amendment Adopted - Senate (75 - 21)
5/18 S Amdt 4071 Amending State Authority to Enforce Consumer Financial Regulations Amendment Adopted - Senate (80 - 18)
5/13 S Amdt 3832 Establishing Bankruptcy Process for Non-bank Financial Institutions Amendment Rejected - Senate (42 - 58)
5/13 S Amdt 3991 Credit Rating Agency Board Amendment Adopted - Senate (64 - 35)
5/13 S Amdt 3989 Debit Card Fee Regulations Amendment Adopted - Senate (64 - 33)
5/13 S Amdt 3987 Bureau of Consumer Financial Protection Termination Amendment Rejected - Senate (40 - 55)
5/12 S Amdt 3955 Establishing New Mortgage Underwriting Requirements and Eliminating a Risk Retention Requirement Amendment Rejected - Senate (42 - 57)
5/12 S Amdt 3962 Home Loan Regulation Modifications Amendment Adopted - Senate (63 - 36)
5/12 S Amdt 3816 Derivatives Regulation Modifications Amendment Rejected - Senate (39 - 59)
5/11 S Amdt 3938 Study on Ending the Conservatorships of Fannie Mae and Freddie Mac Amendment Adopted - Senate (63 - 36)
5/11 S Amdt 3760 Federal Reserve Audit Amendment Rejected - Senate (37 - 62)
5/06 S Amdt 3826 Consumer Financial Protection Division Within The FDIC Amendment Rejected - Senate (38 - 61)
2/24 HR 2847 Employment, Infrastructure, and Transportation Appropriations and Tax Credits ("Senate Jobs Bill") Concurrence Vote Passed - Senate (70 - 28)
1/28 PN 959 Ben S. Bernanke, Federal Reserve Chairman Nomination Confirmed - Senate (70 - 30)
1/15 S J Res 5 Releasing Funds for Economic Stabilization Act Joint Resolution Failed - Senate (42 - 52)
10/01 HR 1424 Financial Asset Purchase Authority and Tax Law Amendments Bill Passed - Senate (74 - 25)
6/25 S Amdt 4983 Housing Foreclosure Assistance Programs Amendment Adopted - Senate (79 - 16)
3/14 S Amdt 3013 Reinstate Pay-As-You-Go through 2011 Amendment Amendment Rejected - Senate (50 - 50)
3/10 S 256 Bankruptcy Reform Bill Bill Passed - Senate (74 - 25)
7/15 S 2673 Accounting Industry Reform bill Bill Passed - Senate (97 - 0)
2/02 HR 833 Bankruptcy Reform bill Bill Passed - Senate (83 - 14)
5/13 S 1260 Securities Litigation Bill Passed - Senate (79 - 21)
12/22 HR 1058 Legal Reform bill Veto Override Passed - Senate (68 - 30)
12/05 HR 1058 Legal Reform bill Conference Report Adopted - Senate (65 - 30)
6/28 HR 1058 Legal Reform bill Bill Passed - Senate (69 - 30)
11/20 S 714 Resolution Trust Corporation Completion Act Conference Report Adopted - Senate (54 - 45)
5/13 S 714 Resolution Trust Corporation Completion Act Bill Passed - Senate (61 - 35)

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