S. 1330: Freedom from Discrimination in Credit Act of 2015

114th Congress · introduced 2015-05-13 · Finance and Financial Sector · Latest: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

federal

Follow this bill, step by step

Where it came from: introduced 2015-05-13 · official record
Who proposed it: Sen. Murray, Patty [D-WA] · what a sponsor is
What happened next: no floor votes in our records yet. Why?
Where it stands now: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. Not final yet: this can still change. We check for updates every day.
If it becomes law and spends money: follow the money to money laws, then agencies and contracts and grants.

What does this mean?

Official title

Freedom from Discrimination in Credit Act of 2015

Plain summary

Freedom from Discrimination in Credit Act of 2015 Amends the Equal Credit Opportunity Act to expand the categories of prohibited discrimination when extending credit to include discrimination on account of sexual orientation or gender identity. (Currently, such discrimination in credit is prohibited only on the basis of race, color, religion, national origin, sex or marital status, or age.) Provides for such Act to apply whether the basis for certain prohibited forms of discrimination is actual or perceived. Defines: (1) "gender identity" as the gender-related identity, appearance, or mannerisms or other gender-related characteristics of an individual with or without regard to the individual's designated sex at birth; (2) "person" as a natural person, corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association; and (3) "sexual orientation" as homosexuality, heterosexuality, or bisexuality.

Congressional Research Service summary (Introduced in Senate), quoted unchanged (nonpartisan). Read the source.

What a vote does

A “Yea” vote

If it passes both chambers and is signed, it becomes law.

A “Nay” vote

If it is not passed, current law stays as it is.

PSI Sci description of the legislative step (not an opinion).

What does this mean? (plain words)

Official text

Freedom from Discrimination in Credit Act of 2015

Source: Congressional Research Service summary (Introduced in Senate)

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How did my representative vote? · This bill's floor votes

Officials and money

Sponsor: Sen. Murray, Patty [D-WA] · 13 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Elizabeth Warren (D-MA), Jeff Merkley (D-OR), Cory A. Booker (D-NJ), Brian Schatz (D-HI), Edward J. Markey (D-MA), Jeanne Shaheen (D-NH), Mazie K. Hirono (D-HI), Tammy Baldwin (D-WI), Gary C. Peters (D-MI), Maria Cantwell (D-WA)

Sponsor's campaign money: Sen. Murray, Patty [D-WA] reported raising $3.6 million (2025–2026). Details. Shown for context only; it does not mean any donor supported this bill.

No linked floor roll calls in our collected records yet. This does not mean the bill has never had a vote. Check the official bill history.

Sources

Congressional Research Service summary (Introduced in Senate)
Congress.gov
Data: GovInfo BILLSTATUS bulk data (Library of Congress), BILLSTATUS-114s1330.xml <https://www.govinfo.gov/bulkdata/BILLSTATUS/114/s>

Record fed-us-cong114-s1330 · catalog fed-us-congress-bills-cong114 · updated 2026-11-15 by psicol fed-bills-cong114