S 381 — 10 Percent Credit Card Interest Rate Cap Act
Congress 119 · introduced 2025-02-04
Latest action: — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Sponsors
- Hawley, Josh (R, MO-S) — cosponsor
Lobbied by (6)
LDA filings that named this bill in their activity descriptions. The lobbying firm (registrant) is paid by the client to lobby on this and related issues.
| Filing | Period | Registrant (lobbying firm) | Client | Income | Matched |
|---|---|---|---|---|---|
| 1st Quarter - Report | 2026 first_quarter | EMPIRE CONSULTING GROUP | AMERICAN BANKERS ASSOCIATION | $50,000 | S.381 |
| 1st Quarter - Report | 2026 first_quarter | CONSUMER BANKERS ASSOCIATION | CONSUMER BANKERS ASSOCIATION | — | S. 381 |
| 1st Quarter - Report | 2026 first_quarter | MICHIGAN CREDIT UNION LEAGUE | MICHIGAN CREDIT UNION LEAGUE | — | S.381 |
| 1st Quarter - Report | 2026 first_quarter | TASSEY & ASSOCIATES | ELECTRONIC PAYMENTS COALITION ("EPC") | $150,000 | S 381 |
| 1st Quarter - Report | 2026 first_quarter | TASSEY & ASSOCIATES | AMERICAN BANKERS ASSOCIATION | $30,000 | S 381 |
| 1st Quarter - Report | 2026 first_quarter | CREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS | CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONS | — | S. 381 |
Action timeline
- — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- · 10000 — Introduced in Senate
Text versions
- Introduced in Senate · 2025-02-04 — open
Connected on the graph
Inbound (7)
| date | from | type | amount | role | source |
|---|---|---|---|---|---|
| — | Hawley, Josh | cosponsor_of_bill | — | cosponsor | sponsorship |
| 2026-01-01 | ELECTRONIC PAYMENTS COALITION ("EPC") | lobbies_on_bill | — | S 381 | lobbying_bill_mention |
| 2026-01-01 | CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONS | lobbies_on_bill | — | S. 381 | lobbying_bill_mention |
| 2026-01-01 | MICHIGAN CREDIT UNION LEAGUE | lobbies_on_bill | — | S.381 | lobbying_bill_mention |
| 2026-01-01 | AMERICAN BANKERS ASSOCIATION | lobbies_on_bill | — | S.381 | lobbying_bill_mention |
| 2026-01-01 | CONSUMER BANKERS ASSOCIATION | lobbies_on_bill | — | S. 381 | lobbying_bill_mention |
| 2026-01-01 | AMERICAN BANKERS ASSOCIATION | lobbies_on_bill | — | S 381 | lobbying_bill_mention |
Who matters
Members ranked by combined influence on this bill: role (sponsor 5 / cosponsor 1), capped speech count from the Congressional Record, and recorded-vote engagement.
| # | Member | Role | Speeches | Voted | Score |
|---|---|---|---|---|---|
| 1 | Hawley, Josh (R, senate MO) | cosponsor | 0 | — | 1 |
Who's influencing them
Orgs ranked by combined money flow on this bill: LDA filings citing the bill + individual contributions in cycle 2026from donors whose employer matches the org name (Schedule A) to any principal committee in the "who matters" list above.
| # | Org | LDA filings | LDA spend | Donor employees | Employee donations | Total |
|---|---|---|---|---|---|---|
| 1 | ELECTRONIC PAYMENTS COALITION ("EPC") | 1 | $150,000 | 0 | $0 | $150,000 |
| 2 | AMERICAN BANKERS ASSOCIATION | 2 | $80,000 | 0 | $0 | $80,000 |
Predicted vote
Aggregated from: actual roll-call votes (when present) → sponsor → cosponsor → party median (predicts YES when ≥25% of the caucus sponsored/cosponsored). Each row labels its confidence tier so you can see why a position was predicted.
1 predicted yes (0%) · 266 predicted no (49%) · 276 unknown (51%)
By party: · R: 1 yes / 0 no / 276 unknown · D: 0 yes / 263 no · I: 0 yes / 3 no
1 high-confidence positions (voted + sponsor + cosponsor)
- Hawley, Josh (R · senate · MO) · cosponsor
Activity
Every typed-graph event involving this entity, newest first. Each row is one edge in the influence graph; click the date to jump to its provenance.
- 2026-05-17 · cosponsored by Hawley, Josh (cosponsor) · sponsorship
- 2026-01-01 · lobbied on by CONSUMER BANKERS ASSOCIATION (s. 381) · lobbying_bill_mention
- 2026-01-01 · lobbied on by AMERICAN BANKERS ASSOCIATION (s.381) · lobbying_bill_mention
- 2026-01-01 · lobbied on by ELECTRONIC PAYMENTS COALITION ("EPC") (s 381) · lobbying_bill_mention
- 2026-01-01 · lobbied on by CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONS (s. 381) · lobbying_bill_mention
- 2026-01-01 · lobbied on by MICHIGAN CREDIT UNION LEAGUE (s.381) · lobbying_bill_mention
- 2026-01-01 · lobbied on by AMERICAN BANKERS ASSOCIATION (s 381) · lobbying_bill_mention