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Bringing the Discount Window into the 21st Century Act

H.R. 3390 Rep. Monica De La Cruz (R-TX-15) Passed House
Bill text PDF
  1. Introduced May 14
  2. Committee May 14
  3. Passed House Feb 9
  4. Passed Senate Next
  5. To President Not yet
  6. Law Not yet
Where it stands
Passed House, Feb 9, 2026Next: Senate vote
259d ago Feb 11, 2026: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Final votes
No roll callsNo recorded vote on this bill yet
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Summary

Bringing the Discount Window into the 21st Century Act

Full summary4 paragraphs

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.

Library of Congress summary, May 14, 2025

Summary versions
  • Introduced in HouseMay 14, 2025

Official record from Congress.gov, the House Clerk and the Senate; lobbying from Lobbying Disclosure Act filings. Updated Oct 27, 2026.