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H.R. 3390119th CongressIN COMMITTEEREPUBLICAN

Bringing the Discount Window into the 21st Century Act

Introduced May 14, 2025Monica De La Cruz (R-TX)2 cosponsorsSource

Summary

Bringing 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.

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.

Related bills

Bill text versions

Legislative Journey

  1. Introduced
  2. Committee
  3. Floor
  4. Passed Chamber 1
  5. Passed Chamber 2
  6. Signed
Feb 11, 2026

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

Senate
Feb 9, 2026

Motion to reconsider laid on the table Agreed to without objection.

House
Feb 9, 2026

On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.

House
Feb 9, 2026

Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.

Feb 9, 2026

DEBATE - The House proceeded with forty minutes of debate on H.R. 3390.

House
Feb 9, 2026

Considered under suspension of the rules. (consideration: CR H2076-2078; text: CR H2076-2077)

House
Feb 9, 2026

Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.

House
Sep 4, 2025

Placed on the Union Calendar, Calendar No. 191.

House
Sep 4, 2025

Reported (Amended) by the Committee on Financial Services. H. Rept. 119-234.

House
Sep 4, 2025

Reported (Amended) by the Committee on Financial Services. H. Rept. 119-234.

Jul 23, 2025

Ordered to be Reported (Amended) by the Yeas and Nays: 48 - 1.

House
Jul 23, 2025

Committee Consideration and Mark-up Session Held

House
Jul 22, 2025

Committee Consideration and Mark-up Session Held

House
May 14, 2025

Referred to the House Committee on Financial Services.

House
May 14, 2025

Introduced in House

May 14, 2025

Introduced in House