S.J.Res. 15: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of Currency relating to “National Banks and Federal Savings Associations as Len
This vote reversed a Trump Administration regulation which allowed non-traditional lenders to partner with traditional banks and therefore only have to follow federal bank rules which are more lax than many states' rules. It was subsequently passed by the House and signed into law in June 2021. Republican Senators Collins, Lummis and Rubio voted with all Democrats (except for Sen. Heinrich who did not vote) and Independents.
This vote was related to a resolution introduced by Sen. Chris Van Hollen [D-MD] on March 25, 2021, S.J.Res. 15: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of Currency relating to “National Banks and Federal Savings Associations as Len.
Joint Resolution Passed. Simple Majority Required. Source: senate.gov.
The Yea votes represented 60% of the country’s population by apportioning each state’s population to its voting senators.
“Aye” and “Yea” mean the same thing, and so do “No” and “Nay”. Congress uses different words in different sorts of votes.
The U.S. Constitution says that bills should be decided on by the “yeas and nays” (Article I, Section 7). Congress takes this literally and uses “yea” and “nay” when voting on the final passage of bills.
All Senate votes use these words. But the House of Representatives uses “Aye” and “No” in other sorts of votes.
|Yea||NV||D||Cortez Masto, Catherine||0.2708950126568141|
|Yea||MD||D||Van Hollen, Chris||0.15300190663710964|
|No Vote||NM||D||Heinrich, Martin||0.2866264378323532|
Statistically Notable Votes
Statistically notable votes are the votes that are most surprising, or least predictable, given how other members of each voter’s party voted and other factors.
How well do you understand this vote? Use this study guide to find out.
You can find answers to most of the questions below here on the vote page. For a guide to understanding the resolution this vote was about, see here.
What was the procedure for this vote?
- What was this vote on?
- What is the next step after this vote?
Not all votes are meant to pass legislation. In the Senate some votes are not about legislation at all, since the Senate must vote to confirm presidential nominations to certain federal positions.
This vote is related to a resolution. However, that doesn’t necessarily tell you what it is about. Congress makes many decisions in the process of passing legislation, such as on the procedures for debating the resolution, whether to change the resolution before voting on passage, and even whether to vote on passage at all.
Take a look at where this resolution is in the legislative process. What might come next? Keep in mind what this specific vote was on, and the context of the resolution. Will there be amendments? Will the other chamber of Congress vote on it, or let it die?
For this question it may help to briefly examine the resolution itself.
What is your analysis of this vote?
- What trends do you see in this vote?
- How did your senators vote?
- How much of the United States population is represented by the yeas?
Members of Congress side together for many reasons beside being in the same political party, especially so for less prominent legislation or legislation specific to a certain region. What might have determined how the roll call came out in this case? Does it look like Members of Congress voted based on party, geography, or some other reason?
There are two votes here that should be more important to you than all the others. These are the votes cast by your senators, which are meant to represent you and your community. Do you agree with how your senators voted? Why do you think they voted the way they did?
If you don’t already know who your Members of Congress are you can find them by entering your address here.
GovTrack displays the percentage of the United States population represented by the yeas on some Senate votes just under the vote totals. We do this to highlight how the people of the United States are represented in the Senate. Since each state has two senators, but state populations vary significantly, the individuals living in each state have different Senate representation. For example, California’s population of near 40 million is given the same number of senators as Wyoming’s population of about 600,000.
Do the senators who voted yea represent a majority of the people of the United States? Does it matter?
Each vote’s study guide is a little different — we automatically choose which questions to include based on the information we have available about the vote. Study guides are a new feature to GovTrack. You can help us improve them by filling out this survey or by sending your feedback to firstname.lastname@example.org.