S. 2155 · 115th Congress · enacted
Economic Growth, Regulatory Relief, and Consumer Protection Act
Became Public Law No: 115-174.
Latest official action 2018-05-24 · Enacted
The bill, briefly
Economic Growth, Regulatory Relief, and Consumer Protection Act TITLE I--IMPROVING CONSUMER ACCESS TO MORTGAGE CREDIT (Sec. 101) This bill amends the Truth in Lending Act (TILA) to allow a depository institution or credit union with assets below a specified threshold to forgo certain ability-to-pay requirements regarding residential mortgage loans. Specifically, those requirements are waived if a loan: (1) is originated by and retained by the institution, (2) complies with requirements regarding prepayment penalties and points and fees, and (3) does not have negative amortization or interest-only terms. Furthermore, for such requirements to be waived, the institution must consider and verify the debt, income, and financial resources of the consumer. The bill also provides for circumstances in which such requirements shall be waived with respect to a loan that is transferred: (1) by reason of bankruptcy or failure of the originating institution, (2) to a similar institution, (3) in the event of a merger, or (4) to a wholly owned subsidiary of the institution. (Sec. 102) Mortgage appraisal services donated by a fee appraiser to an organization eligible to receive tax-deductible charitable contributions are deemed to be customary and reasonable under TILA. (Sec. 103) The bill amends the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 to exempt from appraisal r…
Congressional Research Service · 2018-05-24
Who reported lobbying on this bill?
Amount spent specifically on this bill: not disclosed
The reports below name this bill and disclose an organization’s overall lobbying expenses or a firm’s client income for the period. They can cover many bills and issues. These amounts are not payments to the bill or its politicians.
No matching lobbying report is imported yet. This is not evidence that no lobbying occurred.
2,409 latest lobbying reports imported. Some source imports are still in progress.
Politicians behind the bill
Sponsors and cosponsors from the official source, limited to members currently in office. Campaign amounts are cycle-wide and are not payments for this bill.
Sponsor
Mike Crapo
Senate · ID · Republican
$556,775PAC receipts · 2025–2026
Cosponsor
Mark R. Warner
Senate · VA · Democratic
$2,248,644PAC receipts · 2025–2026
Cosponsor
Tim Scott
Senate · SC · Republican
$205,300PAC receipts · 2025–2026
Cosponsor
Tom Cotton
Senate · AR · Republican
$1,221,200PAC receipts · 2025–2026
Cosponsor
Mike Rounds
Senate · SD · Republican
$1,655,055PAC receipts · 2025–2026
Cosponsor
Thom Tillis
Senate · NC · Republican
$950,975PAC receipts · 2025–2026
Cosponsor
Angus S. King, Jr.
Senate · ME · Independent
$33,500PAC receipts · 2025–2026
Cosponsor
John Kennedy
Senate · LA · Republican
$113,800PAC receipts · 2025–2026
Cosponsor
Tim Kaine
Senate · VA · Democratic
$125,658PAC receipts · 2025–2026
Cosponsor
Jerry Moran
Senate · KS · Republican
$399,050PAC receipts · 2025–2026
Cosponsor
Gary C. Peters
Senate · MI · Democratic
-$186,100PAC receipts · 2025–2026
Cosponsor
James E. Risch
Senate · ID · Republican
$1,137,421PAC receipts · 2025–2026
Cosponsor
Michael F. Bennet
Senate · CO · Democratic
$31,000PAC receipts · 2025–2026
Cosponsor
Christopher A. Coons
Senate · DE · Democratic
$1,411,794PAC receipts · 2025–2026
26 of 26 source cosponsor records retrieved; only current officials and unwithdrawn sponsorships appear.
PAC donors to the listed sponsors
These are all-cycle contributions to the listed sponsors’ and cosponsors’ campaigns. FEC does not attribute them to this bill. A donation plus sponsorship does not establish why a politician acted.
MORTGAGE BANKERS ASSOCIATION POLITICAL ACTION COMMITTEE (MORPAC)$92,750
Mark R. Warner · Cosponsor · $19,500
Tom Cotton · Cosponsor · $5,000
Mike Rounds · Cosponsor · $48,250
Thom Tillis · Cosponsor · $5,000
Jerry Moran · Cosponsor · $5,000
Christopher A. Coons · Cosponsor · $10,000
Official PAC recordAMERICAN BANKERS ASSOCIATION PAC (BANKPAC)$55,000
Mark R. Warner · Cosponsor · $10,000
Tom Cotton · Cosponsor · $10,000
Mike Rounds · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Christopher A. Coons · Cosponsor · $10,000
Official PAC recordAMERICAN INSTITUTE OF CERTIFIED PUBLIC ACCOUNTANTS POLITICAL ACTION COMMITTEE$52,500
Mark R. Warner · Cosponsor · $10,000
Tom Cotton · Cosponsor · $10,000
Mike Rounds · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Christopher A. Coons · Cosponsor · $7,500
Official PAC recordGENERAL DYNAMICS CORPORATION POLITICAL ACTION COMMITTEE (GENERAL DYNAMICS EMPLOYEE PAC)$52,000
Mark R. Warner · Cosponsor · $10,000
Tom Cotton · Cosponsor · $8,000
Mike Rounds · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Christopher A. Coons · Cosponsor · $9,000
Official PAC recordERNST & YOUNG POLITICAL ACTION COMMITTEE$49,000
Mark R. Warner · Cosponsor · $10,000
Tim Scott · Cosponsor · $5,000
Tom Cotton · Cosponsor · $10,000
Mike Rounds · Cosponsor · $10,000
Thom Tillis · Cosponsor · -$2,500
John Kennedy · Cosponsor · $5,000
James E. Risch · Cosponsor · $4,000
Christopher A. Coons · Cosponsor · $7,500
Official PAC recordEMPLOYEES OF NORTHROP GRUMMAN CORPORATION PAC$47,500
Mark R. Warner · Cosponsor · $5,000
Tom Cotton · Cosponsor · $10,000
Mike Rounds · Cosponsor · $7,500
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Christopher A. Coons · Cosponsor · $10,000
Official PAC recordTHE BOEING COMPANY PAC$47,500
Mark R. Warner · Cosponsor · $10,000
Tom Cotton · Cosponsor · $8,000
Mike Rounds · Cosponsor · $8,500
Thom Tillis · Cosponsor · $1,500
Tim Kaine · Cosponsor · $1,000
Jerry Moran · Cosponsor · $3,000
James E. Risch · Cosponsor · $10,000
Christopher A. Coons · Cosponsor · $5,500
Official PAC recordBANK OF AMERICA CORPORATION FEDERAL PAC$42,500
Mark R. Warner · Cosponsor · $10,000
Tom Cotton · Cosponsor · $10,000
Mike Rounds · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
Christopher A. Coons · Cosponsor · $7,500
Official PAC recordCOMCAST CORPORATION & NBCUNIVERSAL POLITICAL ACTION COMMITTEE - FEDERAL$40,000
Mark R. Warner · Cosponsor · $10,000
Tom Cotton · Cosponsor · $5,000
Mike Rounds · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
Christopher A. Coons · Cosponsor · $10,000
Official PAC recordDAKOTA PAC$40,000
Tom Cotton · Cosponsor · $10,000
Mike Rounds · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $15,000
Official PAC recordCHEVRON EMPLOYEES POLITICAL ACTION COMMITTEE - CHEVRON CORPORATION$39,500
Mark R. Warner · Cosponsor · $10,000
Tom Cotton · Cosponsor · $7,000
Mike Rounds · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $5,000
Christopher A. Coons · Cosponsor · $2,500
Official PAC recordCAPITAL ONE FINANCIAL CORP. ASSOC. POLITICAL FUND$39,000
Mark R. Warner · Cosponsor · $10,000
Tom Cotton · Cosponsor · $5,000
Mike Rounds · Cosponsor · $9,000
Thom Tillis · Cosponsor · $5,000
Christopher A. Coons · Cosponsor · $10,000
Official PAC recordLOCKHEED MARTIN CORPORATION EMPLOYEES' POLITICAL ACTION COMMITTEE$39,000
Mike Crapo · Sponsor · $1,000
Mark R. Warner · Cosponsor · $6,000
Tom Cotton · Cosponsor · $5,000
Mike Rounds · Cosponsor · $5,500
Thom Tillis · Cosponsor · $4,000
Tim Kaine · Cosponsor · $2,000
Jerry Moran · Cosponsor · $2,500
James E. Risch · Cosponsor · $7,000
Christopher A. Coons · Cosponsor · $6,000
Official PAC recordEMPLOYEES OF RTX CORPORATION POLITICAL ACTION COMMITTEE$38,000
Mike Crapo · Sponsor · $2,500
Mark R. Warner · Cosponsor · $5,000
Tom Cotton · Cosponsor · $5,000
Mike Rounds · Cosponsor · $5,500
Thom Tillis · Cosponsor · $3,000
John Kennedy · Cosponsor · $1,000
Tim Kaine · Cosponsor · $2,000
Jerry Moran · Cosponsor · $2,000
James E. Risch · Cosponsor · $6,000
Christopher A. Coons · Cosponsor · $6,000
Official PAC recordJPMORGAN CHASE & CO. FEDERAL POLITICAL ACTION COMMITTEE$38,000
Mark R. Warner · Cosponsor · $10,000
Tom Cotton · Cosponsor · $5,000
Mike Rounds · Cosponsor · $7,500
Thom Tillis · Cosponsor · $4,500
James E. Risch · Cosponsor · $1,000
Christopher A. Coons · Cosponsor · $10,000
Official PAC recordAFLAC POLITICAL ACTION COMMITTEE (AFLAC PAC)$37,500
Mark R. Warner · Cosponsor · $5,000
Tim Scott · Cosponsor · $2,500
Tom Cotton · Cosponsor · $5,000
Mike Rounds · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $5,000
Christopher A. Coons · Cosponsor · $5,000
Official PAC recordAIR LINE PILOTS ASSOCIATION PAC$37,500
Mark R. Warner · Cosponsor · $5,000
Mike Rounds · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Christopher A. Coons · Cosponsor · $7,500
Official PAC recordGENERAL ATOMICS POLITICAL ACTION COMMITTEE$37,500
Mark R. Warner · Cosponsor · $10,000
Mike Rounds · Cosponsor · $7,500
James E. Risch · Cosponsor · $10,000
Christopher A. Coons · Cosponsor · $10,000
Official PAC recordAMERICAN EXPRESS COMPANY POLITICAL ACTION COMMITTEE (AXPPAC)$37,000
Mark R. Warner · Cosponsor · $6,000
Tom Cotton · Cosponsor · $10,000
Mike Rounds · Cosponsor · $10,000
Thom Tillis · Cosponsor · $2,500
James E. Risch · Cosponsor · $2,500
Christopher A. Coons · Cosponsor · $6,000
Official PAC recordGOOGLE LLC NETPAC$37,000
Mark R. Warner · Cosponsor · $7,500
Tom Cotton · Cosponsor · $10,000
Mike Rounds · Cosponsor · $10,000
Thom Tillis · Cosponsor · $3,500
James E. Risch · Cosponsor · $5,000
Christopher A. Coons · Cosponsor · $1,000
Official PAC recordDELTA AIR LINES PAC$36,500
Tim Scott · Cosponsor · $2,500
Tom Cotton · Cosponsor · $7,500
Mike Rounds · Cosponsor · $6,500
Jerry Moran · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Christopher A. Coons · Cosponsor · $5,000
Official PAC recordARKANSAS FOR LEADERSHIP POLITICAL ACTION COMMITTEE (ARKPAC)$35,000
Tom Cotton · Cosponsor · $10,000
Mike Rounds · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Official PAC recordBOOTS POLITICAL ACTION COMMITTEE$35,000
Tom Cotton · Cosponsor · $10,000
Mike Rounds · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Official PAC recordIN THE ARENA PAC$35,000
Mike Crapo · Sponsor · $5,000
Tim Scott · Cosponsor · $5,000
Tom Cotton · Cosponsor · $10,000
Mike Rounds · Cosponsor · $5,000
John Kennedy · Cosponsor · $5,000
James E. Risch · Cosponsor · $5,000
Official PAC recordNATIONAL BEER WHOLESALERS ASSOCIATION POLITICAL ACTION COMMITTEE$35,000
Mark R. Warner · Cosponsor · $5,000
Tom Cotton · Cosponsor · $10,000
Mike Rounds · Cosponsor · $5,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $5,000
Christopher A. Coons · Cosponsor · $5,000
Official PAC recordOORAH! POLITICAL ACTION COMMITTEE$35,000
Tom Cotton · Cosponsor · $10,000
Mike Rounds · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Official PAC recordSEND IN THE SEAL PAC$35,000
Tom Cotton · Cosponsor · $10,000
Mike Rounds · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Official PAC recordTOMORROW IS MEANINGFUL PAC$35,000
Tom Cotton · Cosponsor · $10,000
Mike Rounds · Cosponsor · $10,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $10,000
Official PAC recordWINE AND SPIRITS WHOLESALERS OF AMERICA, INC. POLITICAL ACTION COMMITTEE$35,000
Mark R. Warner · Cosponsor · $5,000
Tom Cotton · Cosponsor · $5,000
Mike Rounds · Cosponsor · $7,500
Thom Tillis · Cosponsor · $2,500
Jerry Moran · Cosponsor · $0
James E. Risch · Cosponsor · $10,000
Christopher A. Coons · Cosponsor · $5,000
Official PAC recordWALMART INC. PAC FOR RESPONSIBLE GOVERNMENT$34,500
Mark R. Warner · Cosponsor · $2,500
Tom Cotton · Cosponsor · $10,000
Mike Rounds · Cosponsor · $5,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $2,000
Christopher A. Coons · Cosponsor · $10,000
Official PAC recordAMERICAN ISRAEL PUBLIC AFFAIRS COMMITTEE POLITICAL ACTION COMMITTEE$34,470
Mark R. Warner · Cosponsor · $4,494
Tom Cotton · Cosponsor · $9,994
Mike Rounds · Cosponsor · $4,994
James E. Risch · Cosponsor · $4,994
Christopher A. Coons · Cosponsor · $9,994
Official PAC recordPRICEWATERHOUSECOOPERS POLITICAL ACTION COMMITTEE I$34,000
Mark R. Warner · Cosponsor · $5,000
Tom Cotton · Cosponsor · $5,000
Mike Rounds · Cosponsor · $9,000
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $5,000
Christopher A. Coons · Cosponsor · $5,000
Official PAC recordHONEYWELL INTERNATIONAL INC. TECHNOLOGIES PUBLIC AFFAIRS COUNCIL (HONPAC)$33,500
Mark R. Warner · Cosponsor · $10,000
Tom Cotton · Cosponsor · $10,000
Mike Rounds · Cosponsor · $5,000
Gary C. Peters · Cosponsor · -$5,000
James E. Risch · Cosponsor · $5,000
Christopher A. Coons · Cosponsor · $8,500
Official PAC recordNATIONAL MULTIFAMILY HOUSING COUNCIL AND REAL ESTATE TECHNOLOGY AND TRANSFORMATION CENTER POLITICAL ACTION COMMITTEE (NMHC PAC)$32,500
Mark R. Warner · Cosponsor · $5,000
Tom Cotton · Cosponsor · $10,000
Mike Rounds · Cosponsor · $7,500
Thom Tillis · Cosponsor · $0
Christopher A. Coons · Cosponsor · $10,000
Official PAC recordNATIONAL ASSOCIATION OF REALTORS POLITICAL ACTION COMMITTEE$32,000
Mark R. Warner · Cosponsor · $4,500
Tom Cotton · Cosponsor · $8,000
Mike Rounds · Cosponsor · $5,000
Thom Tillis · Cosponsor · $3,000
Gary C. Peters · Cosponsor · $3,000
James E. Risch · Cosponsor · $3,500
Christopher A. Coons · Cosponsor · $5,000
Official PAC recordTEXTRON INC. POLITICAL ACTION COMMITTEE$31,500
Mike Crapo · Sponsor · $7,500
Tom Cotton · Cosponsor · $5,500
Mike Rounds · Cosponsor · $3,500
Thom Tillis · Cosponsor · $2,000
James E. Risch · Cosponsor · $7,500
Christopher A. Coons · Cosponsor · $5,500
Official PAC recordNATIONAL RESTAURANT ASSOCIATION PAC (RESTAURANT PAC)$31,000
Mark R. Warner · Cosponsor · $7,500
Tom Cotton · Cosponsor · $10,000
Mike Rounds · Cosponsor · $1,000
Angus S. King, Jr. · Cosponsor · $2,500
James E. Risch · Cosponsor · $5,000
Christopher A. Coons · Cosponsor · $5,000
Official PAC recordPHILLIPS 66 PAC$31,000
Mike Crapo · Sponsor · $5,000
Mark R. Warner · Cosponsor · $5,000
Tom Cotton · Cosponsor · $7,500
Mike Rounds · Cosponsor · $2,500
Thom Tillis · Cosponsor · $5,000
James E. Risch · Cosponsor · $5,000
Christopher A. Coons · Cosponsor · $1,000
Official PAC recordK&L GATES LLP POLITICAL ACTION COMMITTEE (DC)$30,500
Mark R. Warner · Cosponsor · $8,000
Tom Cotton · Cosponsor · $5,000
Mike Rounds · Cosponsor · $3,000
Thom Tillis · Cosponsor · $1,000
John Kennedy · Cosponsor · $1,000
James E. Risch · Cosponsor · $5,000
Christopher A. Coons · Cosponsor · $7,500
Official PAC recordPOLITICAL ACTION COMMITTEE OF THE AMERICAN ASSOCIATION OF ORTHOPAEDIC SURGEONS--PAC OF AAOS$30,500
Mike Crapo · Sponsor · $5,000
Mark R. Warner · Cosponsor · $3,500
Mike Rounds · Cosponsor · $2,000
Thom Tillis · Cosponsor · $5,000
Jerry Moran · Cosponsor · $7,500
Christopher A. Coons · Cosponsor · $7,500
Official PAC recordThe largest 40 donor totals appear here. Open each politician for their complete, paginated PAC donor list.
What happened after enactment?
Dated agency-reported implementation and uptake measures are shown with their scope. They do not by themselves establish causal success. If no evidence is listed, the outcome is not established.
Measured outcome: not established
Enactment alone does not show whether a law improved its intended outcome. We need a dated evaluation, observed result or verified implementation record before claiming success or failure.