S. 3616

Summary

S. 3616, the Expanding Access to Lending Options Act, was introduced in the Senate on Jan 13, 2026 by Sen. Catherine Cortez Masto (D) with 3 co-sponsors. It was referred to Banking, Housing, And Urban Affairs, and last saw action on Jan 13, 2026: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Record

Text

S. 3616 has 3 co-sponsors.

119 S3616 IS: Expanding Access to Lending Options Act
 U.S. Senate
 2026-01-13
 text/xml
 EN
 Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
 II  119th CONGRESS
  2d Session  S. 3616  IN THE SENATE OF THE UNITED STATES   January 13, 2026   Ms. Cortez Masto  (for herself and  Mr. Cramer ) introduced the following bill; which was read twice and referred to the  Committee on Banking, Housing, and Urban Affairs    A BILL
To provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes.
1.
Short title
This Act may be cited as the   Expanding Access to Lending Options Act  .
2.
Powers of Federal credit unions
Section 107(5) of the Federal Credit Union Act ( 12 U.S.C. 1757(5) ) is amended—
(1)
in the matter preceding subparagraph (A), by inserting  or up to a term of 20 years as the Board may allow, in regulations  after  15 years ; and
(2)
in subparagraph (A)(i), by striking  or will be the principal residence of a credit union member, and which is .

Tracker

The tracker indicates the progress of this legislation as it moves through the legislative process.

A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes.

Sponsors

Sen. Catherine Cortez Masto (D) sponsors S. 3616, and 3 members have co-sponsored it, 1 of them from the day it was introduced.

Catherine Cortez Masto

Sen. · D–NV · Sponsor

Introduced Jan 13, 2026

Kevin Cramer

Sen. · R–ND · Co-sponsor

Joined Jan 13, 2026 · Original

Pete Ricketts

Sen. · R–NE · Co-sponsor

Joined Jan 15, 2026

James Justice

Sen. · R–WV · Co-sponsor

Joined Apr 21, 2026

Show 4 of 4 rows

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Committees

S. 3616 went before 1 committee: Banking, Housing, and Urban Affairs.

Banking, Housing, and Urban Affairs

Banking, Housing, and Urban Affairs

Referred To · Jan 13, 2026 · 465 Bills

Actions

S. 3616 has taken 2 actions since Jan 13, 2026.

Votes

S. 3616 has not gone to a roll call.

Titles

S. 3616 goes by 3 titles, 1 of them short titles.

• Expanding Access to Lending Options Act — Display Title
• Expanding Access to Lending Options Act — Short Title(s) as Introduced
• A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes. — Official Title as Introduced

Lobbying

2 clients hired 2 firms and 2 registered lobbyists who named S. 3616 in 4 quarterly filings, 2026. Reported under the Lobbying Disclosure Act; a filing’s income covers everything its registrant worked that quarter, so the amounts below are the filings’, not this bill’s.

Filed under Banking, Financial Institutions/Investments/Securities, Budget/Appropriations, Taxation/Internal Revenue Code.

Clients

Who paid to be heard, by how many filings named the bill.

Firms

Registrants who filed on the bill, by filings.

Lobbyists

Named on the filings that cite the bill.

Filings

The documents themselves, on the Senate’s Lobbying Disclosure site, largest reported first.

Classification

The Congressional Research Service files S. 3616 under Finance and Financial Sector, one of its 31 policy areas.

CRS Subjects

CRS assigns every bill one policy area from its 31; S. 3616’s is Finance and Financial Sector.

Source: congress.gov · legiscan.com