S 3889 — American Lending Fairness Act of 2026
Congress 119
Latest action: — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Sponsors
- Moreno, Bernie (R, OH-S) — sponsor · 2026-02-12
Lobbied by (2)
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 | CGCN GROUP, LLC | BREAD FINANCIAL (FKA ALLIANCE DATA SYSTEMS CORPORATION) | $40,000 | S.3889 |
| 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. 3889 |
Action timeline
- — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- · 10000 — Introduced in Senate
Text versions
- Introduced in Senate · 2026-02-12 — open
Connected on the graph
Inbound (3)
| date | from | type | amount | role | source |
|---|---|---|---|---|---|
| 2026-02-12 | Moreno, Bernie | sponsor_of_bill | — | sponsor | sponsorship |
| 2026-01-01 | CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONS | lobbies_on_bill | — | S. 3889 | lobbying_bill_mention |
| 2026-01-01 | BREAD FINANCIAL (FKA ALLIANCE DATA SYSTEMS CORPORATION) | lobbies_on_bill | — | S.3889 | 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 | Moreno, Bernie (R, senate OH) | sponsor | 0 | — | 5 |
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 | BREAD FINANCIAL (FKA ALLIANCE DATA SYSTEMS CORPORATION) | 1 | $40,000 | 0 | $0 | $40,000 |
| 2 | none | 0 | $0 | 38 | $1,422 | $1,422 |
| 3 | self employed | 0 | $0 | 2 | $524 | $524 |
| 4 | unemployed | 0 | $0 | 1 | $100 | $100 |
| 5 | tremco | 0 | $0 | 1 | $50 | $50 |
| 6 | heliqwest | 0 | $0 | 1 | $50 | $50 |
| 7 | hmd | 0 | $0 | 1 | $24 | $24 |
| 8 | ultra electronics | 0 | $0 | 1 | $24 | $24 |
| 9 | stv incorporated | 0 | $0 | 1 | $22 | $22 |
| 10 | shining smiles | 0 | $0 | 1 | $18 | $18 |
| 11 | shc | 0 | $0 | 1 | $15 | $15 |
| 12 | butler county educational service cent | 0 | $0 | 1 | $7 | $7 |
| 13 | paragon equities | 0 | $0 | 1 | $1 | $1 |
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)
- Moreno, Bernie (R · senate · OH) · sponsor
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.
- 2026-02-12 · sponsored by Moreno, Bernie (sponsor) · sponsorship
- 2026-01-01 · lobbied on by CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONS (s. 3889) · lobbying_bill_mention
- 2026-01-01 · lobbied on by BREAD FINANCIAL (FKA ALLIANCE DATA SYSTEMS CORPORATION) (s.3889) · lobbying_bill_mention