• Did Freedom Win? No
  • Voted for Freedom 47
  • Voted Against Freedom 52
The OCC’s 2020 True Lender Rule sought to provide regulatory certainty to banks and third-party processors on who is the “true lender” when issuing short-term loans and to support the availability of responsible credit for people who need it most. The Federal Reserve estimates that 76 million Americans only make enough to cover monthly expenses and cannot save for contingencies.

Short-term loans are a lifeline to millions of families across our country. By repealing the True Lender rule, Congress would be restricting access to quality credit and incentivizing families to turn to more expensive or harmful options such as bank overdrafts, late fees, or borrowing against their car or home.

It is challenging for individuals who don’t have great credit to get a loan from a national bank. Nearly 30% of hardworking Americans are unbanked or underbanked, and consumers with credit scores under 680 are rejected for loans from banks at four times the rate as those with scores above 680.

These loans have been a much-needed resource to underserved communities, and by repealing this rule, Congress would only be hurting the same communities they claim to protect. I urge you to support a free relationship between borrowers and lenders and to oppose the repeal of the True Lender Rule.

Legislator's Votes

Voted for Freedom

John Barrasso

Senator WY

John Barrasso

  • Voted for Freedom? Yes
  • Session Score 0%
Roy Blunt

Senator MO

Roy Blunt

  • Voted for Freedom? Yes
  • Session Score 0%
John Boozman

Senator AR

John Boozman

  • Voted for Freedom? Yes
  • Session Score 0%
Mike Braun

Senator IN

Mike Braun

  • Voted for Freedom? Yes
  • Session Score 0%
Richard Burr

Member

Richard Burr

  • Voted for Freedom? Yes
  • Session Score 0%
Bill Cassidy

Senator LA

Bill Cassidy

  • Voted for Freedom? Yes
  • Session Score 0%
John Cornyn

Senator TX

John Cornyn

  • Voted for Freedom? Yes
  • Session Score 0%
Tom Cotton

Senator AR

Tom Cotton

  • Voted for Freedom? Yes
  • Session Score 0%
Kevin Cramer

Senator ND

Kevin Cramer

  • Voted for Freedom? Yes
  • Session Score 0%
Mike Crapo

Senator ID

Mike Crapo

  • Voted for Freedom? Yes
  • Session Score 0%
Ted Cruz

Senator TX

Ted Cruz

  • Voted for Freedom? Yes
  • Session Score 0%
Steve Daines

Senator MT

Steve Daines

  • Voted for Freedom? Yes
  • Session Score 0%
Joni Ernst

Senator IA

Joni Ernst

  • Voted for Freedom? Yes
  • Session Score 0%
Deb Fischer

Senator NE

Deb Fischer

  • Voted for Freedom? Yes
  • Session Score 0%
Bill Hagerty

Senator TN

Bill Hagerty

  • Voted for Freedom? Yes
  • Session Score 0%
Josh Hawley

Senator MO

Josh Hawley

  • Voted for Freedom? Yes
  • Session Score 0%
John Hoeven

Senator ND

John Hoeven

  • Voted for Freedom? Yes
  • Session Score 0%
Jim Inhofe

Senator OK

Jim Inhofe

  • Voted for Freedom? Yes
  • Session Score 0%
Ron Johnson

Senator WI

Ron Johnson

  • Voted for Freedom? Yes
  • Session Score 0%
John Kennedy

Senator LA

John Kennedy

  • Voted for Freedom? Yes
  • Session Score 0%
Mike Lee

Senator UT

Mike Lee

  • Voted for Freedom? Yes
  • Session Score 0%
Jerry Moran

Senator KS

Jerry Moran

  • Voted for Freedom? Yes
  • Session Score 0%
Rand Paul

Senator KY

Rand Paul

  • Voted for Freedom? Yes
  • Session Score 0%
Rob Portman

Senator OH

Rob Portman

  • Voted for Freedom? Yes
  • Session Score 0%
Jim Risch

Senator ID

Jim Risch

  • Voted for Freedom? Yes
  • Session Score 0%
Mitt Romney

Senator UT

Mitt Romney

  • Voted for Freedom? Yes
  • Session Score 0%
Mike Rounds

Senator SD

Mike Rounds

  • Voted for Freedom? Yes
  • Session Score 0%
Ben Sasse

Senator NE

Ben Sasse

  • Voted for Freedom? Yes
  • Session Score 0%
Tim Scott

Senator SC

Tim Scott

  • Voted for Freedom? Yes
  • Session Score 0%
Rick Scott

Senator FL

Rick Scott

  • Voted for Freedom? Yes
  • Session Score 0%
Dan Sullivan

Senator AK

Dan Sullivan

  • Voted for Freedom? Yes
  • Session Score 0%
John Thune

Senator SD

John Thune

  • Voted for Freedom? Yes
  • Session Score 0%
Thom Tillis

Senator NC

Thom Tillis

  • Voted for Freedom? Yes
  • Session Score 0%
Pat Toomey

Senator PA

Pat Toomey

  • Voted for Freedom? Yes
  • Session Score 0%
Roger Wicker

Senator MS

Roger Wicker

  • Voted for Freedom? Yes
  • Session Score 0%
Todd Young

Senator IN

Todd Young

  • Voted for Freedom? Yes
  • Session Score 0%

Voted Against Freedom

Tammy Baldwin

Senator WI

Tammy Baldwin

  • Voted for Freedom? No
  • Session Score 0%
Cory Booker

Senator NJ

Cory Booker

  • Voted for Freedom? No
  • Session Score 0%
Sherrod Brown

Senator OH

Sherrod Brown

  • Voted for Freedom? No
  • Session Score 0%
Ben Cardin

Senator MD

Ben Cardin

  • Voted for Freedom? No
  • Session Score 0%
Tom Carper

Senator DE

Tom Carper

  • Voted for Freedom? No
  • Session Score 0%
Bob Casey

Senator PA

Bob Casey

  • Voted for Freedom? No
  • Session Score 0%
Susan Collins

Senator ME

Susan Collins

  • Voted for Freedom? No
  • Session Score 0%
Chris Coons

Senator DE

Chris Coons

  • Voted for Freedom? No
  • Session Score 0%
Dick Durbin

Senator IL

Dick Durbin

  • Voted for Freedom? No
  • Session Score 0%
Maggie Hassan

Senator NH

Maggie Hassan

  • Voted for Freedom? No
  • Session Score 0%
Mazie Hirono

Senator HI

Mazie Hirono

  • Voted for Freedom? No
  • Session Score 0%
Tim Kaine

Senator VA

Tim Kaine

  • Voted for Freedom? No
  • Session Score 0%
Mark Kelly

Senator AZ

Mark Kelly

  • Voted for Freedom? No
  • Session Score 0%
Angus King

Senator ME

Angus King

  • Voted for Freedom? No
  • Session Score 0%
Amy Klobuchar

Senator MN

Amy Klobuchar

  • Voted for Freedom? No
  • Session Score 0%
Ben Luján

Senator NM

Ben Luján

  • Voted for Freedom? No
  • Session Score 0%
Joe Manchin

Senator WV

Joe Manchin

  • Voted for Freedom? No
  • Session Score 0%
Ed Markey

Senator MA

Ed Markey

  • Voted for Freedom? No
  • Session Score 0%
Bob Menendez

Senator NJ

Bob Menendez

  • Voted for Freedom? No
  • Session Score 0%
Jeff Merkley

Senator OR

Jeff Merkley

  • Voted for Freedom? No
  • Session Score 0%
Chris Murphy

Senator CT

Chris Murphy

  • Voted for Freedom? No
  • Session Score 0%
Patty Murray

Senator WA

Patty Murray

  • Voted for Freedom? No
  • Session Score 0%
Jon Ossoff

Senator GA

Jon Ossoff

  • Voted for Freedom? No
  • Session Score 0%
Alex Padilla

Senator CA

Alex Padilla

  • Voted for Freedom? No
  • Session Score 0%
Gary Peters

Senator MI

Gary Peters

  • Voted for Freedom? No
  • Session Score 0%
Jack Reed

Senator RI

Jack Reed

  • Voted for Freedom? No
  • Session Score 0%
Jacky Rosen

Senator NV

Jacky Rosen

  • Voted for Freedom? No
  • Session Score 0%
Marco Rubio

Senator FL

Marco Rubio

  • Voted for Freedom? No
  • Session Score 0%
Brian Schatz

Senator HI

Brian Schatz

  • Voted for Freedom? No
  • Session Score 0%
Chuck Schumer

Senator NY

Chuck Schumer

  • Voted for Freedom? No
  • Session Score 0%
Tina Smith

Senator MN

Tina Smith

  • Voted for Freedom? No
  • Session Score 0%
Jon Tester

Senator MT

Jon Tester

  • Voted for Freedom? No
  • Session Score 0%
Mark Warner

Senator VA

Mark Warner

  • Voted for Freedom? No
  • Session Score 0%
Ron Wyden

Senator OR

Ron Wyden

  • Voted for Freedom? No
  • Session Score 0%

Abstained