Banks could get faster and safer access to Federal Reserve loans when they face a cash shortage. The Federal Reserve would review the system, make a fix plan, and report its progress to Congress.
Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
Bringing the Discount Window into the 21st Century Act is a Senate bill in committee. The latest recorded action: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Latest action on H.R. 3390: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Who this affects: This bill mainly affects banks that may need short-term cash from the Federal Reserve. It also affects Federal Reserve officials and other federal bank regulators that would take part in the review. Congress would receive reports and question the Federal Reserve Chair. The public could feel the effects if the changes help prevent bank trouble from spreading.
Why this matters: A bank can run short of cash when customers pull out money very quickly. The Federal Reserve's discount window can lend that bank short-term cash. Delays or weak systems could make a stressful event worse. This bill could improve that backup service, but its effect would depend on the Federal Reserve's final plan and how well it carries out the changes.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
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Officially: Bringing the Discount Window into the 21st Century Act
Banks could get faster and safer access to Federal Reserve loans when they face a cash shortage. The Federal Reserve would review the system, make a fix plan, and report its progress to Congress.
Use this page to support, oppose, or ask Congress to amend H.R.3390. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in Banking
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
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Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Latest: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (2/11/2026)
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
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The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to Bringing the Discount Window into the 21st Century Act, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around H.R.3390, your stance, and the reasons you choose, then lets you edit and send when ready.
