United States · Law · S
S. 2155 (115th)
Economic Growth, Regulatory Relief, and Consumer Protection Act
Introduced
16 November 2017
Last action
24 May 2018 · President
Status
Became Public Law No: 115-174.
Sponsors
Sen. Crapo, Mike [R-ID], Sen. Donnelly, Joe [D-IN], Sen. Heitkamp, Heidi [D-ND], Sen. Tester, Jon [D-MT], Sen. Warner, Mark R. [D-VA], Sen. Corker, Bob [R-TN], Sen. Scott, Tim [R-SC], Sen. Cotton, Tom [R-AR], Sen. Rounds, Mike [R-SD], Sen. McCaskill, Claire [D-MO], Sen. Perdue, David [R-GA], Sen. Manchin, Joe, III [D-WV], Sen. Tillis, Thomas [R-NC], Sen. King, Angus S., Jr. [I-ME], Sen. Kennedy, John [R-LA], Sen. Kaine, Tim [D-VA], Sen. Moran, Jerry [R-KS], Sen. Peters, Gary C. [D-MI], Sen. Risch, James E. [R-ID], Sen. Bennet, Michael F. [D-CO], Sen. Heller, Dean [R-NV], Sen. Coons, Christopher A. [D-DE], Sen. Blunt, Roy [R-MO], Sen. Carper, Thomas R. [D-DE], Sen. Sasse, Ben [R-NE], Sen. Jones, Doug [D-AL], Sen. Inhofe, James M. [R-OK]
Subjects
Environment, Housing
Source updated
11 June 2026
Summary
Economic Growth, Regulatory Relief, and Consumer Protection Act This bill amends the Truth in Lending Act to allow institutions with less than $10 billion in assets to waive ability-to-repay requirements for certain residential-mortgage loans. Other mortgage-lending provisions related to appraisals, mortgage data, employment of loan originators, manufactured homes, and transaction waiting periods are also modified. The bill amends the Bank Holding Company Act of 1956 to exempt banks with assets valued at less than $10 billion from the "Volcker Rule," which prohibits banking agencies from engaging in proprietary trading or entering into certain relationships with hedge funds and private-equity funds. Certain banks are also exempted by the bill from specified capital and leverage ratios, with federal banking agencies directed to promulgate new requirements. The bill amends the United States Housing Act of 1937 to reduce inspection requirements and environmental-review requirements for certain smaller, rural public-housing agencies. Provisions relating to enhanced prudential regulation for financial institutions are modified, including those related to stress testing, leverage requirements, and the use of municipal bonds for purposes of meeting liquidity requirements. The bill requires credit reporting agencies to provide credit-freeze alerts and includes consumer-credit provisions related to senior citizens, minors, and veterans.
This text is taken from the official record. PoliticalRepo does not editorialize.
Timeline
16 November 2017
Introduced
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Source: IntroReferral
16 November 2017
Introduced
Introduced in Senate
Source: IntroReferral
5 December 2017
Reported
Committee on Banking, Housing, and Urban Affairs. Ordered to be reported with amendments favorably.
Source: Committee
18 December 2017
Calendars
Placed on Senate Legislative Calendar under General Orders. Calendar No. 287.
Source: Calendars
18 December 2017
Reported
Committee on Banking, Housing, and Urban Affairs. Reported by Senator Crapo with amendments. Without written report.
Source: Committee
18 December 2017
Reported
Committee on Banking, Housing, and Urban Affairs. Reported by Senator Crapo with amendments. Without written report.
Source: Committee
30 January 2018
Committee
Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 115-161.
Source: Committee
1 March 2018
Floor
Motion to proceed to consideration of measure made in Senate. (CR S1307)
Source: Floor
1 March 2018
Committee
Committee on Banking, Housing, and Urban Affairs. Hearings held.
Source: Committee
6 March 2018
Floor
Motion to proceed to measure considered in Senate. (consideration: CR S1343)
Source: Floor
7 March 2018
Floor
Motion to proceed to measure considered in Senate. (CR S1405)
Source: Floor
8 March 2018
Floor
Considered by Senate. (consideration: CR S1529-1565)
Source: Floor
12 March 2018
Floor
Considered by Senate. (consideration: CR S1619-1626)
Source: Floor
13 March 2018
Floor
Considered by Senate. (consideration: CR S1646-1684)
Source: Floor
14 March 2018
Floor
Considered by Senate. (consideration: CR S1696-1730)
Source: Floor
14 March 2018
Vote
Passed/agreed to in Senate: Passed Senate with an amendment by Yea-Nay Vote. 67 - 31. Record Vote Number: 54.
Source: Floor
15 March 2018
Floor
Held at the desk.
Source: Floor
15 March 2018
Floor
Message on Senate action sent to the House.
Source: Floor
15 March 2018
Floor
Received in the House.
Source: Floor
22 March 2018
Committee
Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 115-197.
Source: Committee
19 April 2018
Committee
Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 115-251.
Source: Committee
21 May 2018
Reported
Rules Committee Resolution H. Res. 905 Reported to House. Rule provides for consideration of H.R. 5515, S. 204 and S. 2155. The resolution provides for one hour of general debate on H.R. 5515, S. 204 and S. 2155. The resolution provides for consideration of S. 2155 and S. 204 under a closed rule. Also, the resolution provides for consideration of H.R. 5515 under a structured rule and makes an amendment in the nature of a substitute consisting of the text of Rules Committee Print 115-70 considered as adopted.
Source: Floor
22 May 2018
Passed
Motion to reconsider laid on the table Agreed to without objection.
Source: Floor
22 May 2018
Vote
On passage Passed by the Yeas and Nays: 258 - 159 (Roll no. 216). (text: CR H4320-4340)
Source: Floor
22 May 2018
Vote
Passed/agreed to in House: On passage Passed by the Yeas and Nays: 258 - 159 (Roll no. 216).(text: CR H4320-4340)
Source: Floor
22 May 2018
Floor
The previous question was ordered pursuant to the rule.
Source: Floor
22 May 2018
Floor
Rule provides for consideration of H.R. 5515, S. 204 and S. 2155. The resolution provides for one hour of general debate on H.R. 5515, S. 204 and S. 2155. The resolution provides for consideration of S. 2155 and S. 204 under a closed rule. Also, the resolution provides for consideration of H.R. 5515 under a structured rule and makes an amendment in the nature of a substitute consisting of the text of Rules Committee Print 115-70 considered as adopted.
Source: Floor
22 May 2018
Floor
Considered under the provisions of rule H. Res. 905. (consideration: CR H4320-4349)
Source: Floor
22 May 2018
Passed
Rule H. Res. 905 passed House.
Source: Floor
24 May 2018
Became law
Became Public Law No: 115-174.
Source: President
24 May 2018
Became law
Signed by President.
Source: BecameLaw
24 May 2018
President
Signed by President.
Source: President
24 May 2018
Floor
Presented to President.
Source: Floor
24 May 2018
President
Presented to President.
Source: President
Votes
22 May 2018 · passed · On Passage · Passed · Official source
Yes 258 · No 159 · Abstain — · Absent/not voting 10
- Rep. Ferguson, A. Drew, IV [R-GA-3]Yea
- Rep. McEachin, A. Donald [D-VA-4]Nay
- Rep. Hastings, Alcee L. [D-FL-20]Yea
- Rep. Kinzinger, Adam [R-IL-16]Yea
Showing the first 4 recorded positions. Vote totals above are complete.
14 March 2018 · Bill Passed · On Passage of the Bill S. 2155 · Bill Passed · Official source
Yes 67 · No 31 · Abstain — · Absent/not voting 2
- Sen. Klobuchar, Amy [D-MN]Nay
- Sen. King, Angus S., Jr. [I-ME]Yea
- Sen. Cardin, Benjamin L. [D-MD]Nay
- Sen. Sasse, Ben [R-NE]Yea
Showing the first 4 recorded positions. Vote totals above are complete.
Versions
- Enrolled Bill · — · Download file
- Public Law · 24 May 2018 · Download file
- Engrossed in Senate · 14 March 2018 · Download file
- Reported to Senate · 18 December 2017 · Download file
- Introduced in Senate · 16 November 2017 · Download file
Documents
15 official files
Enrolled Bill (text)
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Enrolled Bill (text)
Enrolled Bill · EN
Enrolled Bill (PDF)
Enrolled Bill · EN
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Public Law (text)
Public Law · EN · 24 May 2018
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Public Law (PDF)
Public Law · EN · 24 May 2018
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Public Law
summary · EN · 24 May 2018
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Passed House without amendment
summary · EN · 22 May 2018
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Engrossed in Senate (text)
Engrossed in Senate · EN · 14 March 2018
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Engrossed in Senate (PDF)
Engrossed in Senate · EN · 14 March 2018
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Passed Senate amended
summary · EN · 14 March 2018
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Reported to Senate (text)
Reported to Senate · EN · 18 December 2017
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Reported to Senate (PDF)
Reported to Senate · EN · 18 December 2017
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Reported to Senate with amendment(s)
summary · EN · 18 December 2017
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Introduced in Senate (text)
Introduced in Senate · EN · 16 November 2017
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Introduced in Senate (PDF)
Introduced in Senate · EN · 16 November 2017
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Introduced in Senate
summary · EN · 16 November 2017
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Sponsors
- Sen. Crapo, Mike [R-ID] · R · Sponsor
- Sen. Donnelly, Joe [D-IN] · D · Sponsor
- Sen. Heitkamp, Heidi [D-ND] · D · Sponsor
- Sen. Tester, Jon [D-MT] · D · Sponsor
- Sen. Warner, Mark R. [D-VA] · D · Sponsor
- Sen. Corker, Bob [R-TN] · R · Sponsor
- Sen. Scott, Tim [R-SC] · R · Sponsor
- Sen. Cotton, Tom [R-AR] · R · Sponsor
- Sen. Rounds, Mike [R-SD] · R · Sponsor
- Sen. McCaskill, Claire [D-MO] · D · Sponsor
- Sen. Perdue, David [R-GA] · R · Sponsor
- Sen. Manchin, Joe, III [D-WV] · D · Sponsor
- Sen. Tillis, Thomas [R-NC] · R · Sponsor
- Sen. King, Angus S., Jr. [I-ME] · I · Sponsor
- Sen. Kennedy, John [R-LA] · R · Sponsor
- Sen. Kaine, Tim [D-VA] · D · Sponsor
- Sen. Moran, Jerry [R-KS] · R · Sponsor
- Sen. Peters, Gary C. [D-MI] · D · Sponsor
- Sen. Risch, James E. [R-ID] · R · Sponsor
- Sen. Bennet, Michael F. [D-CO] · D · Sponsor
- Sen. Heller, Dean [R-NV] · R · Cosponsor
- Sen. Coons, Christopher A. [D-DE] · D · Cosponsor
- Sen. Blunt, Roy [R-MO] · R · Cosponsor
- Sen. Carper, Thomas R. [D-DE] · D · Cosponsor
- Sen. Sasse, Ben [R-NE] · R · Cosponsor
- Sen. Jones, Doug [D-AL] · D · Cosponsor
- Sen. Inhofe, James M. [R-OK] · R · Cosponsor
- · ssbk00 · Standing
Related records
- related to → MOBILE Act of 2017
- related to → Protecting Veterans Credit Act of 2018
- related to → Family Self-Sufficiency Act
- related to → Family Self-Sufficiency Act
- related to → Financial CHOICE Act of 2017
- related to → Portfolio Lending and Mortgage Access Act
- related to → CLEAR Relief Act of 2017
- related to → FAIR Student Credit Act of 2017
- related to ← Empowering Student Borrowers Act
- related to ← National Securities Exchange Regulatory Parity Act
- related to ← Comprehensive Regulatory Review Act
- related to ← Protecting Veterans from Predatory Lending Act of 2018
- related to ← Community Bank Reporting Relief Act
- related to ← Small Bank Exam Cycle Improvement Act of 2018
- related to ← Clarifying Commercial Real Estate Loans
- related to ← Protecting Children From Identity Theft Act
Showing 16 of 222 related records.
Related across the Repo ecosystem
Direct relationships are identifier-backed. Topic context means shared TopicMembership — not a citation and not causation.
Direct relationships
- Legal framework · Economic Growth, Regulatory Relief, and Consumer Protection Act · S. 2155 (115th) · US
- Identifier matchPROJECTS_FROM
Same us record 115-s-2155 projected from PoliticalRepo US row.
Economic Growth, Regulatory Relief, and Consumer Protection Act
Sources
PoliticalRepo is an index and interpretation layer, not the authoritative legal source.
- Official source: https://www.congress.gov/bill/115th-congress/senate-bill/2155
- Open data entity: https://api.congress.gov/v3/bill/115/s/2155
- us · 115-s-2155 · source updated 11 June 2026