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Congressional Record — Senate, October 19, 2020

Summary

Senate pages of the Congressional Record for October 19, 2020, starting at S6052. They open with remarks criticizing Leader MCCONNELL's relief bill as failing to include robust unemployment insurance. Mr. SCHUMER then moves to proceed to H.J. Res. 90, providing for congressional disapproval of the rule submitted by the Office of the Comptroller of the Currency relating to Community Reinvestment Act Regulations, with the vote set for 5:45 p.m., and gives notice that he will move to adjourn the Senate until after the November election. Mrs. BLACKBURN speaks on censorship and social media and a Commerce Committee hearing on section 230 set for October 28, and a senator then speaks in support of H.J. Res. 90. The closing page prints Senate Chamber and Galleries Regulations adopted by the Committee on Rules and Administration on October 7, 2020.

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                                             S6052                                             CONGRESSIONAL RECORD — SENATE                                                     October 19, 2020
                                               Leader MCCONNELL tried the same                       portunity and resources to commu-                      the American people who are willing to
                                             stunt last month. It failed. Instead of                 nities of color.                                       condition their tolerance for diverging
                                             trying to work with the Democrats or                      The Trump administration’s rewrite                   viewpoints on how they feel, they
                                             increase the size of the relief package                 of the rule not only undermines core                   themselves feel about what is being
                                             to meet the needs—the desperate                         elements of the CRA, but it replaces                   said, worshipped, or reported. And as
                                             needs—of the American people, Leader                    past practices with complicated re-                    scary and as frightening as that atti-
                                             MCCONNELL is back with the same                         quirements that would lead to less                     tude is to many of us, it is increasingly
                                             sorry excuse for a bill. It fails to in-                lending in communities that need it                    reflected in the very companies that
                                             clude robust unemployment insurance,                    most. I have fought too hard through-                  have the most influence over how we
                                             enough funding for schools and univer-                  out my career to lift up the protections               access and consume information.
                                             sities, or funding for rental, housing, or              of the CRA to stand idly by as the                       Last week, we saw two of these com-
                                             nutrition assistance. It does nothing                   Trump administration tries to tear                     panies go to extremes to get in line
                                             for the census or our elections and                     them down.                                             with radicals who are trying to block,
                                             abandons State, local, and Tribal gov-                    The window to challenge this rule                    censor, and intimidate their way into
                                             ernments on the brink of catastrophe.                   under the Congressional Review Act                     power. We all know the companies and
                                             It doesn’t include recent bipartisan leg-               closes today, so I will move to consider               the controversy I am talking about.
                                             islation that helps independent music                   the resolution this evening. Normally,                 Twitter and Facebook censored the
                                             and theater venues—the Save our                         we would work these votes out with the                 spread of a New York Post article con-
                                             Stages Act—or bipartisan legislation                    majority, but its abuse of the Supreme                 taining allegations that could poten-
                                             to help our ailing restaurants. It is to-               Court process means we will not have                   tially affect the outcome of the upcom-
                                             tally inadequate when it comes to                       business as usual—not now, not until                   ing election.
                                             funding for testing and tracing, espe-                  the Republicans stop their mad dash to                   That is all I am going to say about
                                             cially given the new spike in cases and                 confirm a Supreme Court Justice mere                   the article itself because, frankly, the
                                             especially given the fact that a second                 days before a Presidential election.                   content bears no importance on how
                                             wave may be upon us. I hope and pray                                                                           anyone should react to what happened
                                                                                                                       f
                                             it isn’t. It, once again, includes the poi-                                                                    after it was posted. Someone working
                                             son pill of all poison pills—a sweeping                 PROVIDING FOR CONGRESSIONAL                            for a private company—someone who is
                                             corporate immunity provision that                         DISAPPROVAL UNDER CHAPTER                            a content reviewer or content moder-
                                             would shield corporations from ac-                        8 OF TITLE 5, UNITED STATES                          ator—someone working for a private
                                             countability if they put their workers                    CODE, OF THE RULE SUBMITTED                          company made a unilateral decision to
                                             in harm’s way.                                            BY THE OFFICE OF THE COMP-                           stop Americans from reading the arti-
                                               Let me be clear: The Republican pro-                    TROLLER OF THE CURRENCY RE-                          cle. They didn’t like it. They said: I
                                             posal was unacceptable a month ago,                       LATING TO ‘‘COMMUNITY REIN-                          have the power to stop it, and because
                                             and it remains unacceptable now, even                     VESTMENT ACT REGULATIONS’’—                          I have that power, I am going to stop
                                             more so in that the crisis has gotten                     MOTION TO PROCEED                                    it.
                                                                                                                                                              Now that is precisely what happened,
                                             even worse.                                               Mr. SCHUMER. Madam President, I
                                               Remember, Leader MCCONNELL has                                                                               and I will tell you, colleagues, it is not
                                                                                                     move to proceed to H.J. Res. 90, pro-
                                             been clear that as many as 20 Repub-                                                                           just that they blocked the link and the
                                                                                                     viding for congressional disapproval
                                             lican Senators don’t want to provide                                                                           text of the article, it is that at least in
                                                                                                     under chapter 8 of title 5, United
                                             any more relief to the American peo-                                                                           Twitter’s case, they suspended the
                                                                                                     States Code, of the rule submitted by
                                             ple. According to press reports, one                                                                           Trump campaign’s account; they sus-
                                                                                                     the Office of the Comptroller of the
                                                                                                                                                            pended the New York Post account;
                                             Senator said: ‘‘Not another dime.’’ Re-                 Currency relating to ‘‘Community Re-
                                                                                                                                                            they locked the White House Press Sec-
                                             publican Senators gave their counter-                   investment Act Regulations,’’ which
                                                                                                                                                            retary’s account; and they suppressed
                                             parts in the White House an earful for                  was received from the House.                           information posted by the House Judi-
                                             even considering a bigger package of                      The PRESIDING OFFICER. The                           ciary Committee Republicans. They
                                             aid. So this is not a serious attempt at                clerk will report the motion.                          couldn’t even provide a plausible expla-
                                             pandemic relief. It seems to be another                   The senior assistant legislative clerk               nation for why they did this. Think
                                             attempt at giving the Republicans po-                   read as follows:                                       about that.
                                             litical cover before the election.                        Motion to proceed to H.J. Res. 90, a joint             They made themselves the arbiters of
                                               Speaker PELOSI continues to nego-                     resolution providing for congressional dis-            free speech, and they, in their almighty
                                             tiate with Secretary Mnuchin and the                    approval under chapter 8 of title 5, United
                                                                                                                                                            position, decided they were going to de-
                                             White House in the hopes of finding a                   States Code, of the rule submitted by the Of-
                                                                                                     fice of the Comptroller of the Currency relat-         termine what you could hear, when you
                                             deal that would actually meet the                                                                              could hear it, and how you could hear
                                             needs of the American people. Instead                   ing to ‘‘Community Reinvestment Act Regu-
                                                                                                     lations’’.                                             it. They decided.
                                             of repeating the same failed partisan                                                                            The common element, of course, in
                                             gambit, Leader MCCONNELL should be                        Mr. SCHUMER. Madam President, I
                                                                                                                                                            all of this action that took place was
                                             working with the Democrats and the                      ask unanimous consent that the vote
                                                                                                                                                            the New York Post story. Was it infor-
                                             administration on a proposal that ac-                   on the motion to proceed to H.J. Res.
                                                                                                                                                            mation or hacked information or just
                                             tually has a chance of making it                        90 occur at 5:45 p.m. today, with the
                                                                                                                                                            inconvenient information? No one
                                             through both Houses of Congress. The                    time equally divided between the two
                                                                                                                                                            seems to want to answer that question.
                                             longer he waits, the greater the cost to                leaders or their designees.
                                                                                                                                                            Why do they not want to answer that
                                             the American people.                                      The PRESIDING OFFICER. Is there
                                                                                                                                                            question? It is because they didn’t like
                                               Now, before I yield the floor, I want                 objection?
                                                                                                                                                            the information. It did not suit their
                                             to be clear about one thing. Because                      Without objection, it is so ordered.
                                                                                                                                                            narrative, but the way things stand,
                                             our Republican colleagues have made                       Mr. SCHUMER. I ask for the yeas
                                                                                                                                                            they didn’t have to, because there is no
                                             such a mockery of the Supreme Court                     and nays.
                                                                                                                                                            real accountability and now their weak
                                             confirmation process, we are not going                    The PRESIDING OFFICER. Is there a
                                                                                                                                                            explanations have been co-opted into
                                             to have business as usual here in the                   sufficient second?                                     arguments made by activists, rival
                                             Senate. Tonight, I will move to bring                     There appears to be a sufficient sec-                media organizations, and even journal-
                                             up a vote under the Congressional Re-                   ond.                                                   ists who were insisting that the infor-
                                             view Act and force action on a resolu-                    The yeas and nays are ordered.                       mation is harmful and must be strick-
                                             tion to undo the Trump administra-                        The PRESIDING OFFICER (Mr.                           en from the record.




ctelli on DSK11ZRN23PROD with SENATE
                                             tion’s gutting of the Community Rein-                   BOOZMAN). The Senator from Tennessee                     Mr. SCHUMER. Would the Senator
                                             vestment Act. This is an important                      is recognized.                                         yield? I have brought an announcement
                                             fight in its own right. We should be                              CENSORSHIP AND SOCIAL MEDIA                  to the floor that will take a brief
                                             standing up for critical civil rights                     Mrs. BLACKBURN. Mr. President, it                    minute. I don’t mean to interrupt.
                                             laws, like the Community Reinvest-                      doesn’t take a genius to figure out that                 Mrs. BLACKBURN. I would be happy
                                             ment Act—laws that help deliver op-                     there is a small but very loud sector of               to yield to the Democratic leader.



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                                             October 19, 2020                                  CONGRESSIONAL RECORD — SENATE                                                                 S6053
                                               Mr. SCHUMER. I thank the Senator                      news platform censor the news, and                     preciate the Senator from Tennessee
                                             from Tennessee.                                         they are seeing extremely powerful                     saying that.
                                                             NOTICE OF INTENT                        people cheer it on. To them and to me,                   Senator MCCONNELL said there was
                                               Mr. SCHUMER. I just want to put the                   that is frightening.                                   no urgency to help unemployed work-
                                             Members on notice. Later this evening,                    They are looking to us to get into                   ers. Six hundred thousand unemployed
                                             I will make a motion to adjourn the                     one of those policy debates my col-                    workers in my State in August lost
                                             Senate until after the November elec-                   leagues across the aisle were so eager                 their $600 a week. What are they to do?
                                             tion.                                                   to jump into just last week during                       Foreclosures are up. There are no
                                               The Republican majority refused to                    Judge Barrett’s confirmation hearing.                  dollars for public education so schools
                                             consider the Supreme Court nominee of                     Fortunately, for them, we have got a                 can open safely.
                                             a duly elected Democratic President                     head start on that discussion. Big Tech                  I appreciate the Senator from Ten-
                                             because it was 8 months before the                      has spent the last several years build-                nessee. Maybe she will talk to Senator
                                             election. Now they are trying to ram                    ing up a body of evidence against its                  MCCONNELL and ask him to do his job
                                             through a Justice in mere days—days—                    own intentions, and if we don’t address                so we can do our job.
                                             before an election. It is the most                      their growing influence, we will lose                                    H.J. RES. 90
                                             rushed, the most partisan, the least le-                our ability to create responsive policy.                 Mr. President, I rise to speak in sup-
                                             gitimate nomination process in Su-                        I have already come to the floor sev-                port of H.J. Res. 90, the joint resolution
                                             preme Court history, and it should not                  eral times to speak on various ways we                 of disapproval of the Office of the
                                             proceed.                                                are doing this—through legislation,                    Comptroller of the Currency’s Commu-
                                               So I want the Members to know that                    antitrust investigations, and some                     nity Reinvestment Act rule.
                                             I will move to adjourn until after the                  good old-fashioned committee hear-                       We know who gets hit the hardest by
                                             election with the ability to come back                  ings. Congress doing its job, precisely                this pandemic and economic crisis. It is
                                             into session if there is a bipartisan                   why we ought not to adjourn, precisely                 not Wall Street. It is not CEOs. It is
                                             agreement on a COVID relief package.                    why we should stay here and do our                     not U.S. Senators. It is low-income
                                               I thank the Senator for letting me                    work.                                                  workers. It is essential workers. It is
                                             put Members on notice that we will do                     On October 28, the Commerce Com-                     workers who go to work every day and
                                             this later this evening.                                mittee will host a few familiar faces                  get exposed to this virus and then come
                                               The PRESIDING OFFICER. The Sen-                       for a hearing where we will analyze the                home, anxious about potentially in-
                                             ator may proceed.                                       effect that the liability shield found in              fecting their family. It is the middle
                                                      CENSORSHIP AND SOCIAL MEDIA                    section 230 of the Communications De-                  class. It is communities of color. Those
                                               Mrs. BLACKBURN. Thank you very                        cency Act has on Big Tech’s behavior.                  are the people getting hit the hardest.
                                             much, Mr. President. I have to tell you,                Over the course of the hearing, we will                It is the same story we see over and
                                             listening to the Democratic leader                      speak with Jack Dorsey of Twitter,                     over and over. Corporate lobbyists and
                                             there, this is one of the things that so-               Mark Zuckerberg of Facebook, and                       their allies in Washington do whatever
                                             cial media has taken off on.                            Sundar Pichai of Google about their                    it takes—whatever it takes to make
                                               They lost. They lost the 2016 Presi-                  approach to using the section 230                      sure that Wall Street recovers, and
                                             dential election, and they have never                   shield.                                                then they say: Oh, no, we can’t afford
                                             accepted the results. Never. It doesn’t                   We will also examine various legisla-                to—we can’t—the budget, the deficit.
                                             fit their narrative. So what do they do?                tive proposals to modernize section 230,               We can give a tax cut to rich people,
                                             Look at this. Let’s just not even work.                 including one of my own that would re-                 explode the deficit, but we can’t do
                                             Let’s just adjourn. Let’s not do our                    solve some ambiguities regarding what                  anything for regular people, for mid-
                                             constitutional duty.                                    sorts of content moderation policies                   dle-class people, and for low-income
                                               I tell you what, you can’t make this                  are shielded from liability and which                  people. We just can’t afford to help
                                             stuff up. You really can’t. Cognitive                   ones aren’t protected. We are going to                 anyone else.
                                             dissonance of this moment in history                    talk about the unintended con-                           The stock market is back up, so
                                             has overwhelmed the discourse.                          sequences that stem from these poli-                   Leader MCCONNELL and President
                                               It is important to make it abun-                      cies. We are going to talk about their                 Trump seem to think that everything
                                             dantly clear that the outrage—the ab-                   platforms’ interaction with activists                  is just fine, thank you, in our country.
                                             solute outrage from the American peo-                   and with the media.                                    Meanwhile, families don’t know how to
                                             ple over this incident with social media                  I think we will probably get around                  feed their children and how to make
                                             has everything to do with their very                    to talking about it, whether they like                 rent. They don’t know about family
                                             fluid and subjective standards that                     it or not, because we have the bipar-                  businesses closing their doors and
                                             these companies use to control the flow                 tisan and unanimously authorized sub-                  schools can’t open for in-person learn-
                                             of information, and over the last few                   poenas in hand to do it, and those sub-                ing. But, oh, yeah, the stock market is
                                             years, they have gotten worse about it.                 poenas are good through the end of this                up, so Leader MCCONNELL and Presi-
                                             And you know what? They do it until                     Congress.                                              dent Trump seem to think everything
                                             we slap their hands and then pull them                    Hopefully, by going straight to the                  is fine.
                                             back in, and we say: You can’t do this.                 top, we will gain a better under-                        Black-owned businesses have closed
                                               Now, in the case that we are dis-                     standing of why these companies can’t                  down at twice the rate—including in
                                             cussing that happened last week, it                     seem to regulate themselves, why they                  the State of Arkansas—closed at twice
                                             looks suspiciously like they applied a                  can’t seem to stop themselves from                     the rate of White-owned businesses
                                             brandnew set of standards because                       having a complete meltdown every sin-                  during this pandemic. Black and
                                             someone got spooked at the prospect of                  gle time we turn up the heat and talk                  Latino renters are more likely to be
                                             losing momentum on a political nar-                     about these issues of privacy, talk                    behind on their rent or mortgage. But
                                             rative.                                                 about      censorship,     talk     about              the stock market is up, so Leader
                                               They are all working together on                      prioritization, talk about preferencing,               MCCONNELL and President Trump seem
                                             this. So let’s go home; let’s not work;                 talk about holding them accountable                    to think that everything is just fine.
                                             let’s not do our job; let’s bury a story                for the spectrum they use to put out                     Low-wage workers are more likely to
                                             on social media. Why? Their gal didn’t                  their message and the activity that                    remain out of work. There are 600,000
                                             win in 2016, and Donald Trump did be-                   they are taking now to censor the free                 people in my State who can’t find jobs.
                                             cause the American people said: We are                  speech of the American public.                         They have lost their unemployment in-
                                             with him, not her.                                        I yield the floor.                                   surance. But the stock market is up, so




ctelli on DSK11ZRN23PROD with SENATE
                                               Now, here in Washington we can                          The PRESIDING OFFICER. The Sen-                      Leader MCCONNELL and President
                                             argue all over election-year politics,                  ator from Ohio.                                        Trump seem to think that everything
                                             but in Tennessee, the people are seeing                   Mr. BROWN. Mr. President, I am glad                  is fine.
                                             this for what it is, and they are not                   to see a Member of the majority saying                   Low-wage workers are more likely to
                                             talking about politics. They think this                 that MITCH MCCONNELL ought to have                     remain out of work and more likely to
                                             is pretty terrifying. They are seeing a                 us around here doing some work. I ap-                  be struggling to pay for food. We



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                                             S6054                                             CONGRESSIONAL RECORD — SENATE                                                   October 19, 2020
                                             should—we should—but we are not be-                     tening to what the communities need                    profits and banks, all of whom told
                                             cause Leader MCCONNELL is taking care                   and making it happen, like helping to                  them their plan just wouldn’t work for
                                             of his contributors, he is taking care of               finance a new affordable housing devel-                low- and moderate-income commu-
                                             the big-money people, and he is taking                  opment or offering small loans so that                 nities. Instead, the agency said: We
                                             care of Wall Street. The stock market                   people don’t have to turn to payday                    know best.
                                             is up—I know I have said that a few                     lenders. It is about investing in neigh-                 They think these Trump appointees
                                             times—but that is what matters to far                   borhoods and borrowers who are locked                  in Washington know better than may-
                                             too many people around here, and to                     out of the financial system based on                   ors and city council members and local
                                             the President of the United States,                     who they were and where they were                      advocates and small businesses in Ohio
                                             that is what matters. We should be                      born.                                                  and around the country.
                                             rolling up our sleeves to invest in                       The three entities that oversee our                    The day after they announced they
                                             neighborhoods and the small businesses                  banking system—the Comptroller of                      were ignoring the rest of the country
                                             that sustain them. Instead, we have                     the Currency, the Federal Reserve, the                 and plowing ahead, Comptroller of the
                                             had another Trump appointee working                     FDIC—acted together over those 40                      Currency Otting announced he would
                                             to actually make it harder to invest in                 years so that there was one CRA for all                resign. Imagine that. First he inflicts
                                             these communities at a time when they                   banks to follow and one set of expecta-                this on us, and then he walks away,
                                             need support the most.                                  tions about serving customers in com-                  probably for a better paying job down
                                               For decades, redlining and govern-                    munities.                                              the road.
                                             ment bank sanctions—you know how                          But, in May, the Trump OCC threw                       Since the rule was finalized, the Fed-
                                             they started. It was the Black codes                    out 40 years of progress—just threw it                 eral Reserve has set out on a path for
                                             after reconstruction; then it was Jim                   out the window. But, you know, the                     all three regulators to work together
                                             Crow; then it was redlining; and now it                 stock market is up, so Leader MCCON-                   to create a CRA rule that will increase
                                             is locking in discrimination by Trump                   NELL and President Trump seem to                       the focus on lending and investments
                                             nominees who have had another Trump                     think everything is just fine. In the                  and services in low- and moderate-in-
                                             appointee working to make it harder to                  middle of a pandemic disproportion-                    come communities and to small busi-
                                             invest.                                                 ately—we have established, and even                    nesses and farms. That is what CRA is
                                               For      decades,     redlining    and                Senator MCCONNELL understands, this                    there for. That used to be bipartisan.
                                             government- and bank-sanctioned dis-                    pandemic disproportionately harms                      That used to be the consensus around
                                             crimination left parts of this country—                 Black and Brown communities in Ken-                    here. We should be investing in these
                                             often Black and Brown communities,                      tucky, Arkansas, New Jersey, Dela-                     communities that have been systemati-
                                             often rural areas in Southeast Ohio and                 ware, Ohio, and all over this country,                 cally excluded from sharing in our
                                             Arkansas—with virtually no invest-                      but Trump’s OCC unilaterally rewrote                   country’s prosperity. That means
                                             ment from banks. All kinds of people                    the CRA—unilaterally. The other                        strengthening the CRA. It means lis-
                                             had dreams to start businesses, to                      Trump nominees didn’t even go that                     tening to communities when they tell
                                             build houses, to grow and support their                 far.                                                   us what they need. But the OCC’s rule
                                             communities, but they couldn’t get the                    Just 6 weeks before the rule was fi-                 does the opposite. They even acknowl-
                                             loans to do it. Even after Congress out-                nalized, civil rights leaders, commu-                  edge there was widespread opposition
                                             lawed housing and lending discrimina-                   nity development organizations, State                  to this rule, particularly from the com-
                                             tion based on race, whole communities                   and local officials, Senator MENENDEZ                  munities the CRA was meant to serve.
                                             struggled to get the loans they needed.                 on the Banking, Housing, and Urban                       It should be easy for my Republican
                                             Banks were happy to take Black and                      Affairs Budget Committee, and I and                    colleagues to join us in voting to re-
                                             Brown and low-income people’s depos-                    others submitted over 7,500 comments                   voke the OCC’s rule and to stand up for
                                             its, and then they would lend their                     on the OCC’s and FDIC’s proposed re-                   the underserved in low- and moderate-
                                             money to wealthy investors and com-                     write of the CRA. The vast majority of                 income communities, rural commu-
                                             panies outside of the community. Long                   commenters opposed the agency’s pro-                   nities, and communities of color whom
                                             after redlining and long after legal seg-               posal. A coalition of civil rights lead-               CRA was meant to serve.
                                             regation officially ended, people living                ers, the NAACP, the National Fair                        I would just ask our Republican col-
                                             in largely Black and Brown neighbor-                    Housing Alliance, and UnidosUS said                    leagues to join with what the FDIC
                                             hoods weren’t able to get mortgages to                  the    proposed    rule   invited—their                wants to do—the Trump appointees
                                             buy a home because the bank just                        words—‘‘a return to discrimination                     there. Join with the Federal Reserve—
                                             wasn’t making loans in those parts of                   against communities of color and low-                  Jay Powell, Chair of the Federal Re-
                                             town.                                                   and moderate-income neighborhoods.’’                   serve, Trump appointee. It is what the
                                               Small farms and small businesses                        Remember how this worked. It was                     Senate should be doing—working to get
                                             couldn’t get the loans they needed to                   the Black codes; then it was Jim Crow;                 our country through the worst crisis
                                             grow. That is why we passed the Com-                    then it was redlining. Now it is locking               we have seen in our lifetime and in-
                                             munity Reinvestment Act, the CRA, to                    in these discriminatory rules, and we                  vesting in the communities getting hit
                                             make it clear that banks have a re-                     said no to that. But, unfortunately, the               the hardest.
                                             sponsibility to serve all of the places                 Trump administration says yes to that.                   Instead, Leader MCCONNELL is using
                                             where they do business, including low-                  But 22 State attorneys general wrote                   the final days before an election to jam
                                             and moderate-income areas. As I said,                   that the proposal was ‘‘contrary to the                through another special interest judge
                                             they would take the deposits and then                   [Community Reinvestment Act’s] pur-                    who will carry out the corporate agen-
                                             take the money and lend it out to                       pose and text, will harm communities                   da that the voters keep rejecting. The
                                             wealthy investors.                                      in the States, and should be with-                     Senate needs to get back to focusing on
                                               The CRA is one of the foundational                    drawn.’’                                               the people we are here to serve and to
                                             civil rights laws passed to address dec-                  Across my home State of Ohio, cities                 repeal the OCC’s misguided rule to gut
                                             ades of explicit disinvestment and                      such as Akron, Toledo, Dayton, Cin-                    the Community Reinvestment Act.
                                             begin to undo the legacy of redlining.                  cinnati, Mansfield, Lima, and many                       I urge my colleagues to support the
                                             For 40 years, our government and                        others wrote and passed resolutions op-                resolution so that we can get back to
                                             banks alike have recognized in the-                     posing this plan. Some in govern-                      the task of strengthening the CRA. The
                                             ory—in theory—that banking shouldn’t                    ment—those not directly connected to                   stock market being up—as important
                                             just be about serving the people with                   the Trump administration—listened to                   as that is to Leader MCCONNELL and
                                             six-figure salaries and big mortgages.                  the people we serve. The FDIC heard                    President Trump in their belief that




ctelli on DSK11ZRN23PROD with SENATE
                                             It is about helping a family farm take                  the feedback. FDIC saw the financial                   everything is fine because the stock
                                             out a loan. It is about helping a bus-                  pain of the pandemic, and they de-                     market is up, there is way more to
                                             driver buy their first home or a brother                clined to move forward. The Federal                    measure our economy than that. Sup-
                                             and sister open a corner store in a                     Reserve also said no, but the OCC                      port our resolution; strengthen the
                                             neighborhood where there is nowhere                     plowed ahead. It ignored the thousands                 CRA; and help our communities across
                                             to buy fresh groceries. It is about lis-                of civil rights groups and local non-                  the country.



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                                             October 19, 2020                                  CONGRESSIONAL RECORD — SENATE                                                                     S6055
                                               Before yielding the floor, I ask unani-                     CENTER FOR RESPONSIBLE LENDING                     The final rule imposes an overly simplistic
                                             mous consent that the letters from the                                                October 19, 2020.        evaluation measure that fails to ensure that
                                             National Urban League, the Center for                   U.S. SENATE,                                           local banking needs are met, and sanctions
                                                                                                     U.S. Capitol, Washington, DC.                          bank redlining. The rule overvalues the dol-
                                             Responsible Lending, and 45 civil rights                  DEAR SENATOR: The Center for Responsible             lar amount of CRA activities in comparison
                                             organizations, consumer advocates,                      Lending writes to express our strong support           to the quality of such activities and allows
                                             and unions in support of H.J. Res. 90                   for H.J. Res. 90, a Congressional Review Act           banks to earn more credit for easier and
                                             and opposing OCC’s CRA rule be print-                   resolution of disapproval that will invalidate         larger investments in communities from
                                             ed in the RECORD. Along with these let-                 the Office of the Comptroller of the Currency          which they can get the highest return. In-
                                             ters that I have requested to be print-                 (OCC) final rule on the Community Reinvest-            deed, the rule permits banks to ignore 20% of
                                                                                                     ment Act.                                              their assessment areas and still pass, result-
                                             ed, I would also like to refer to a coali-                The Community Reinvestment Act of 1977
                                             tion letter supporting the resolution                                                                          ing in unchecked neighborhood disinvest-
                                                                                                     (CRA) was one in a series of landmark civil            ment and redlining. The rule also disincen-
                                             which can be found at: https://ncrc.org/                rights legislation and is a critical tool to           tives investment in LMI neighborhoods and
                                             wp-content/uploads/dlm_uploads/2020/10/                 help our nation work toward overcoming the             communities of color. It incentivizes activi-
                                             FINAL-H.J.-Res-90-SignOn-Letter.pdf.                    legacy of redlining. Today’s racial wealth
                                                                                                                                                            ties and investments that do not ‘‘pri-
                                               There being no objection, the mate-                   gap and lending disparities are in large part
                                                                                                                                                            marily’’ benefit LMI communities, such as
                                                                                                     the result of decades of government policies
                                             rial was ordered to be printed in the                                                                          large-scale infrastructure projects. Esti-
                                                                                                     and practices that enabled the redlining of
                                             RECORD, as follows:                                                                                            mating such projects’ impact on LMI neigh-
                                                                                                     communities of color for most of the 20th
                                                             NATIONAL URBAN LEAGUE,                  century. In the post-Depression era, federal           borhoods is difficult and thus will likely di-
                                                                         October 19, 2020.           policies that created housing opportunities            vest funds away from smaller scale, yet
                                             U.S. SENATE,                                            for returning veterans and their families ex-          impactful community development activi-
                                             Washington, DC.                                         plicitly excluded people of color from the             ties. Furthermore, the rule reduces the im-
                                               DEAR SENATORS: On behalf of the National              benefits of government-supported housing               portance of retail lending and retail services,
                                             Urban League and our 90 affiliates across 36            programs. Among these programs were pub-               resulting in less lending and investments in
                                             states and the District of Columbia, I write            lic housing, the Home Owners’ Loan Corpora-            communities that are already credit starved.
                                             to express strong support for H.J. Resolution           tion (HOLC), and mortgage insurance                    The rule is opposite to the CRA’s statutory
                                             90 (H.J. Res. 90), a Congressional Review Act           through the Federal Housing Administration             mission and will cause deep harm to commu-
                                             resolution intended to reverse the Office of            (FHA). Not only did this redlining segregate           nities.
                                             the Comptroller of the Currency’s (OCC)                 residential neighborhoods across the United              We urge support for H.J. Res. 90 to reverse
                                             harmful and woefully misguided changes to               States, but it granted whites the ability to           the OCC’s regulatory attack on the Commu-
                                             the implementation of the Community Rein-               build wealth through homeownership while               nity Reinvestment Act. Thank you for your
                                             vestment Act of 1977 (CRA).                             denying equal opportunities for families of            consideration.
                                               The framework represented by OCC’s final              color to build similar home equity over the                  Sincerely,
                                             CRA rule represents a serious shift from the            same period. The inequities that result from                    CENTER FOR RESPONSIBLE LENDING.
                                             CRA’s original intent of addressing the his-            these discriminatory programs are part of
                                             tory of redlining, disinvestment, and the               the injustices that today’s people led pro-                            NATIONAL COMMUNITY
                                             market failures that continue to leave com-             tests are demanding to be addressed.                                   REINVESTMENT COALITION,
                                             munities of color in America underserved.                 The CRA imposes continuing and affirma-                                           October 19, 2020.
                                             Notably, it is illustrative that two of the             tive obligations on banks to help meet the
                                                                                                     credit needs of the local communities in                  DEAR SENATOR: We, the undersigned orga-
                                             three federal agencies charged with enforc-                                                                    nizations, write to express our strong sup-
                                             ing the CRA—the Federal Reserve (the Fed)               which they are chartered and continues to be
                                                                                                     an important tool for fostering access to              port for H.J. Res. 90, a Congressional Review
                                             and the Federal Deposit Insurance Corpora-                                                                     Act resolution of disapproval that will nul-
                                             tion (FDIC)—did not join the OCC in final-              credit for these communities today. The law
                                                                                                     has urged banks to more actively lend in               lify a rulemaking by the Office of the Comp-
                                             izing this controversial rule. Moreover,                                                                       troller of the Currency (OCC) that, if allowed
                                             under the leadership of Chair Jerome Powell             LMI areas; it has also played a key role in
                                                                                                     ensuring bank participation in community               to stand, would drastically undermine one of
                                             and Governor Lael Brainard, the Fed has                                                                        our nation’s most important civil rights
                                             now proposed a different approach to mod-               revitalization efforts across the country.
                                                                                                       Despite the importance of CRA and the                laws, the Community Reinvestment Act of
                                             ernizing the CRA that better aligns with the                                                                   1977 (the CRA).
                                                                                                     community investment it has spurred, CRA
                                             original intent of this crucial civil rights
                                                                                                     rules must be strengthened. The CRA as ap-                Enacted in 1977, the Community Reinvest-
                                             law.
                                                                                                     plied has not done nearly enough to revi-              ment Act (CRA) has been vital in fighting
                                               If fully enacted, the OCC’s final rule would
                                                                                                     talize previously redlined areas and has not           redlining, a practice that systematically—
                                             effectively give banks under the agency’s ju-
                                                                                                     made a substantial dent in the lagging home-           and for decades, as a matter of federal pol-
                                             risdiction more credit for performing less
                                                                                                     ownership rate for people of color. The white          icy—shut neighborhoods of color and lower-
                                             CRA activity, resulting in significantly
                                                                                                     homeownership rate is 73% while the rate is            income communities out from home loans
                                             fewer lending opportunities and bank serv-
                                                                                                     44% and 48% for Black and Latino borrowers             and other essential financial services. The
                                             ices for the many low- and middle-income                respectively. Additionally, bank lending in
                                             (LMI) families nationwide who most need                                                                        CRA requires banks to undertake reasonable
                                                                                                     LMI communities and communities of color               efforts to lend to and invest in all of the
                                             the vital access to the sustainable lending             has declined dramatically since the Great
                                             and homeownership opportunities made pos-                                                                      neighborhoods in areas where they do busi-
                                                                                                     Recession. And existing disparities will be            ness. The law has helped to spur increased
                                             sible by the CRA. Additionally, the OCC’s               further perpetuated in the face of the
                                             final rule favors investments that are al-                                                                     investments in formerly-redlined commu-
                                                                                                     COVID–19 global public health and economic             nities. It did not, however, prevent non-bank
                                             ready well-served by current market trends              crisis.
                                             and for which the CRA was never intended.                                                                      lenders (who are not subject to the CRA)
                                                                                                       Unfortunately, the OCC decided to act uni-           from flooding communities of color with
                                               The CRA was designed to combat genera-                laterally—without the Federal Reserve and
                                             tions of discrimination and redlining by re-                                                                   toxic subprime mortgages in the years before
                                                                                                     Federal Deposit Insurance Corporation—to               the 2008 crisis; and research shows that ra-
                                             quiring banks to better meet the lending                issue a structurally flawed final rule that
                                             needs of the surrounding communities in                                                                        cial disparities in lending—which cannot be
                                                                                                     weakens the CRA and will harm low- and                 explained away by differences in credit
                                             which they are chartered to serve, including            moderate-communities and communities of
                                             underserved areas. This important law was                                                                      scores—persist to this day.
                                                                                                     color. Rather than postpone rulemaking to
                                             enacted in large part because communities               focus on the devastating economic crisis                  It is clear that the CRA needs to be mod-
                                             of color continued to face barriers accessing           caused by the COVID–19 health pandemic,                ernized and strengthened in order to fulfill
                                             credit despite the passage of federal fair              the OCC issued the rule a mere six weeks               its original purpose. But in January, the
                                             lending laws, including the Fair Housing                after the closing of the comment period on             OCC and the Federal Deposit Insurance Cor-
                                             Act, the Equal Opportunity Act, and the                 its proposed rule despite broad requests for           poration (FDIC) published a Notice of Pro-
                                             Home Mortgage Disclosure Act.                           delay from community groups, civil rights              posed Rulemaking (NPRM) that would in-
                                               In light of the very serious concerns about           and consumer organizations, and industry.              stead significantly weaken the CRA. The
                                             the OCC’s finalized changes to the implemen-            The OCC acknowledged in the preamble to                agencies proposed new overly simplistic
                                             tation of the CRA, the National Urban                   the final rule that most of the comments dis-          metrics system that would make it far easier
                                             League urges Senators to vote in favor of               agreed with the proposal’s approach. Yet, the          for banks to pass their CRA exams by mak-




ctelli on DSK11ZRN23PROD with SENATE
                                             H.J. Res. 90 when it comes to the Senate                OCC decided to side with the minority of               ing large investments in communities where
                                             floor for consideration. Should you have any            comments in support of the proposed rule.              they can reap the largest rewards, rather
                                             questions, please feel free to contact Julius           The OCC’s rule will harm the communities               than carefully-targeted, smaller investments
                                             Niyonsaba at the National Urban League.                 most adversely affected by the current crisis,         in underserved consumers and neighbor-
                                                    Sincerely,                                       including many families that were hardest              hoods.
                                                                     MARC H. MORIAL,                 hit by the Great Recession and have yet to                Even before the NPRM was published, a
                                                 President & CEO, National Urban League.             recover.                                               wide range of stakeholders weighed in with




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                                             S6056                                             CONGRESSIONAL RECORD — SENATE                                                    October 19, 2020
                                             both the OCC and FDIC to raise concerns and             vestment Coalition; National Community                 courage investment in underresourced
                                             to ask for more data justifying the changes.            Stabilization Trust; National Consumer Law             and overlooked regions. Instead, it ex-
                                             Those concerns were not addressed, and the              Center (on behalf of its low-income clients);          pands qualifying CRA activities to in-
                                             data was never released. By the time the                The National Council of Asian Pacific Amer-
                                             NPRM was published, the United States and               icans (NCAPA); National Council of Church-
                                                                                                                                                            clude ones that don’t directly benefit
                                             the world were just beginning to learn about            es; National Fair Housing Alliance; National           communities in need. This OCC rule
                                             the growing threat posed by a dangerous new             Housing Law Project; National LGBTQ Task               will cause harm to current investment
                                             respiratory virus. In the coming weeks, it be-          Force Action Fund; National Urban League;              areas, leading to less community devel-
                                             came clear that the virus had not been con-             OCA-Asian Pacific American Advocates;                  opment in Delaware and across our Na-
                                             tained, and it spread rapidly to multiple               Poverty & Race Research Action Council;                tion.
                                             countries including the United States. As               Prosperity Now; Service Employees Inter-                 The OCC rule would allow banks to
                                             stakeholders and the public began devoting              national Union; Silver State Equality-Ne-              pass their CRA assessments with
                                             more and more resources and attention to                vada; Tash; Union for Reform Judaism;
                                             the health, social, and economic fallout of             Woodstock Institute.                                   broad-stroke, large investments in-
                                             the growing pandemic, and many urged the                  Mr. BROWN. I yield the floor.                        stead of smaller, targeted investments
                                             OCC and FDIC to temporarily suspend rule-                 The PRESIDING OFFICER. The Sen-                      in underserved communities. In proc-
                                             making not related to COVID–19, the agen-               ator from Delaware.                                    ess, the OCC hasn’t worked to achieve
                                             cies continued plowing ahead, only agreeing               Mr. COONS. Mr. President, I rise to                  consensus with fellow Federal regu-
                                             to a one-month extension for comments.                  join my colleagues from Ohio and from                  lators, the Fed and the FDIC, nor with
                                               In the days before the deadline for com-                                                                     banks, community advocacy, and civil
                                                                                                     New Jersey in saying that we should
                                             ments on the rule, it had become clear that
                                             COVID–19 was proving fatal to communities               not allow this OCC rule, gutting the                   rights groups. That is why I am joining
                                             of color—the very communities the CRA was               core elements of the CRA, to move for-                 my colleagues from New Jersey, Ohio,
                                             intended to help—at a rate several times                ward. The Community Reinvestment                       and many other States in voting for
                                             higher than the population at large; the U.S.           Act is a landmark civil rights and anti-               congressional disapproval of this OCC
                                             Surgeon General warned the public to pre-               redlining law created to improve the                   final rule. It undermines and actively
                                             pare for ‘‘our 9/11 moment,’’ and models pre-           welfare of low- and moderate-income                    weakens this important civil rights
                                             dicted 100,000 or more deaths in the United             Americans all over our Nation and to                   law. We must ensure changes to the
                                             States alone. Only 41 days after the com-               assess banks lending to, investing in,                 CRA strengthen the law, not weaken it,
                                             ment period ended, and even though only a
                                             minority of commenters voiced support for
                                                                                                     and serving of the communities in                      and all the related regulators and
                                             the new framework, the OCC rushed through               which they do business.                                stakeholders must work together to
                                             a final rule that left it largely intact. The             The Community Reinvestment Act                       ensure that any changes to the CRA
                                             FDIC, to its credit, declined to finalize its           works. Since its enactment in 1977, it                 work to combat racial inequality and
                                             version of the rule at this time.                       has resulted in trillions of dollars in-               to lift up communities long overlooked
                                               In the months since the OCC finalized its             vested in low- and moderate-income                     by traditional banking and their in-
                                             rule, our nation has been facing a long-over-           communities. It promotes fair treat-                   vestment priorities.
                                             due reckoning with our troubled legacy of               ment and equal access to credit and                      With that, I yield the floor.
                                             racial and ethnic discrimination. While
                                                                                                     capital for Black and Brown commu-                       The PRESIDING OFFICER. The Sen-
                                             much of the conversation has rightly been
                                             focused on police brutality and the impact of           nities, for underserved populations, and               ator from New Jersey.
                                             over-policing in communities of color, this             it is essential to the economic health                   Mr. MENENDEZ. Mr. President,
                                             conversation is inexorably tied to the lasting          of our country. It is a successful incen-              today, I rise to urge my colleagues to
                                             economic, social, and legal legacy of red-              tive for banks to provide mortgage                     take a stand for civil rights and basic
                                             lining and other forms of racial discrimina-            lending and financial services to neigh-               financial fairness and join us in defense
                                             tion.                                                   borhoods of color and low- and mod-                    of the Community Reinvestment Act. I
                                               We will not succeed in addressing issues                                                                     appreciate my distinguished colleagues
                                                                                                     erate-income communities.
                                             surrounding law enforcement in commu-
                                             nities of color without also addressing dec-
                                                                                                       There is a long legacy of racial dis-                from Delaware and the ranking Demo-
                                             ades of underinvestment in housing, employ-             crimination in our Nation in financial                 crat on the Banking Committee, Sen-
                                             ment, education, health care, transpor-                 services, and the Community Reinvest-                  ator BROWN, for their remarks.
                                             tation, and other factors that, to this day,            ment Act has been a vital tool in help-                  For more than four decades now, this
                                             have contributed to the longstanding dis-               ing to fight that cruel legacy. In Dela-               core civil rights law has helped ensure
                                             parities that are once again coming to light.           ware, I have seen the benefits of the                  that banks that do business in our low-
                                             Now is certainly not the time to weaken the             CRA firsthand. I have seen investments                 and moderate-income communities ac-
                                             most important civil rights laws we have at             in affordable housing, homeownership                   tually invest—invest—in those commu-
                                             our disposal to correct those disparities.
                                               As such, we urge Congress to support H.J.             opportunities, and economic and small                  nities. Before the Community Rein-
                                             Res. 90, to overturn the OCC’s regulatory at-           business development as a result.                      vestment Act, or CRA, as it is called,
                                             tack on the Community Reinvestment Act.                   Discover     Bank,     for    example,               banks often avoided lending to cus-
                                             Thank you for your consideration.                       partnered with the Delaware State                      tomers and businesses in the lower in-
                                                   Sincerely,                                        Housing Authority to provide mort-                     come neighborhoods where they opened
                                               9to5, National Association of Working                 gages to low- and moderate-income                      branches. This practice was known as
                                             Women; Alianza Nacional de Campesinas; Al-              borrowers throughout the State by pur-                 redlining because, back then, banks
                                             liance for Justice; Americans for Financial
                                                                                                     chasing loans. WSFA made a $1.5 mil-                   would draw literal red lines around the
                                             Reform; Andrew Goodman Foundation;
                                             AREAA—Asian Real Estate Association of                  lion investment in NCALL’s Restoring                   communities that they did not want to
                                             America; Bend the Arc: Jewish Action;                   Central Dover Initiative and a $500,000                lend money to. Not surprisingly, the
                                             Campesinos Sin Fronteras; Center for Re-                line of credit to help build homes for                 communities that were redlined were
                                             sponsible Lending; Color of Change; Consor-             new homeowners who were low- and                       African American, Latino, and low-in-
                                             tium for Citizens with Disabilities Housing             moderate-income and gave a $1 million                  come communities.
                                             Task Force; Consumer Action; Equality Cali-             low-interest loan for economic develop-                  In essence, they were content to take
                                             fornia; Farmworker Association of Florida;              ment in our capital city. Capital One                  the deposits from low- and moderate-
                                             Green For All, a program of Dream Corps;
                                                                                                     recently made a $20 million loan to fi-                income families, people of color, small
                                             Impact Fund; Japanese American Citizens
                                             League; Justice in Aging; The Leadership                nance the community education build-                   businesses, and farms, but then they
                                             Conference on Civil and Human Rights;                   ing in downtown Wilmington where                       turned around and denied those very
                                             League of Women Voters of the United                    Kuumba Academy is residing.                            customers mortgages, loans, and other
                                             States; Matthew Shepard Foundation; Multi-                The OCC final rule is wrong in sub-                  lines of credit.
                                             cultural Efforts to end Sexual Assault                  stance and in process. The CRA has                       The Community Reinvestment Act
                                             (MESA).                                                 been beneficial for more than four dec-                was enacted to put an end to that red-




ctelli on DSK11ZRN23PROD with SENATE
                                               NAACP; NAACP Legal Defense and Edu-                   ades. Sure, there is some room for mod-                lining and spur greater investment in
                                             cational Fund, Inc.; National Association for
                                                                                                     ernization or improvement, and it is                   our minority communities and lower
                                             Latino      Community        Asset    Builders
                                             (NALCAB); National Association of Con-                  necessary to continue to build on this                 income neighborhoods. But even today,
                                             sumer Advocates; National Association of                monumental act, but the OCC final                      we are still grappling with the socio-
                                             Human Rights Workers; National Center for               rule goes in exactly the wrong direc-                  economic and racial consequences of
                                             Lesbian Rights; National Community Rein-                tion. In substance, it is unlikely to en-              this systemic financial discrimination.



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                                             October 19, 2020                                  CONGRESSIONAL RECORD — SENATE                                                                      S6057
                                             Many of our most impoverished neigh-                    credit, updates where activity is evalu-               tween what the Fed has proposed and
                                             borhoods are the same neighborhoods                     ated, evaluates CRA performance more                   what the OCC has finalized.’’
                                             that were redlined decades ago. It is                   objectively, and makes record-keeping                    The OCC issued this rule in May.
                                             one of the reasons that the genera-                     and reporting timelier and more trans-                 Senate Democrats have waited until
                                             tional wealth of Black and Brown                        parent.                                                the end of the Congressional Review
                                             Americans remains drastically lesser                      The OCC’s efforts to improve the                     Act window to act, timing this vote to
                                             than those of their White counterparts.                 CRA framework began in 2017 with an                    be most disruptive to the Senate’s floor
                                             That is why we have to reject the                       extensive and deliberate process, en-                  schedule. More importantly, this vote
                                             Trump administration’s proposed rule                    gaging numerous stakeholders along                     comes after the rule’s effective date of
                                             changes to the Community Reinvest-                      the way. The OCC issued its advance                    October 1. Voiding it would create con-
                                             ment Act.                                               notice of proposed rulemaking in 2018,                 fusion and uncertainty for commu-
                                               The Office of the Comptroller of the                  and in December 2019, the OCC jointly                  nities, industry, and other stake-
                                             Currency’s—the OCC—CRA new rule                         issued a proposed rule with the FDIC,                  holders, harming the very communities
                                             would result in significantly fewer                     which received 7,500 comments. The                     the CRA would help.
                                             loans, investments, and services to                     OCC says those comments made it bet-                     Acting Comptroller Brooks said it
                                             low- and moderate-income commu-                         ter and significantly different from the               well:
                                             nities, and it would permit banks to                    proposal.                                                Overturning the OCC’s new CRA rule would
                                             avoid businesses and investments in                       The status quo was failing. The OCC                  roll back benefits to Native Americans, peo-
                                             these neighborhoods. In essence, it                     found that the regulatory status quo                   ple with disabilities, American farmers, and
                                             would lead to a new form of modern-                     had failed to improve economic out-                    small business owners. It would preserve a
                                             day redlining, all with the Federal                     comes for underserved groups, includ-                  status quo that on its face has failed to
                                             Government’s blessing. It is no wonder                  ing minorities and low- and moderate-                  make the progress promised 43 years ago. It
                                             why civil rights groups, including the                  income communities.                                    would force banks, communities groups, and
                                             NAACP and the Leadership Council on                       The CRA regulatory process was bro-                  examiners to operate in the dark without the
                                             Civil and Human Rights, have fought                                                                            transparency, objectivity, and regulatory
                                                                                                     ken. Acting Comptroller Brooks stated:                 certainty that the new rule provides. It
                                             so hard against this rule. They do not                    In addition to not achieving the societal            would also prevent future Comptrollers from
                                             want banks to be given the green light                  goals of the statute, the regulatory process           taking up the rule to improve how CRA
                                             to discriminate against minority and                    around CRA was broken. Banks and stake-                works in the future.
                                             low-income consumers. Make no mis-                      holders were uncertain of what activities
                                             take—industry stakeholders and regu-                    would qualify for CRA consideration from                 Additionally, former Comptroller Jo-
                                             lators are just as divided over the                     exam to exam. The framework’s lack of ob-              seph Otting wrote:
                                             Trump administration’s actions. That                    jectivity, transparency, consistency, and                The coronavirus pandemic has only made
                                                                                                     fairness left the whole process open to sweet-         it more dire that communities—particularly
                                             is why, in fact, neither the Federal De-                heart deals and made it nearly impossible to           low- and moderate-income communities—
                                             posit Insurance Corporation nor the                     assess the impact of billions of dollars that          need more capital and better access to cap-
                                             Federal Reserve has joined in this ef-                  were spent each year. Stakeholders have                ital. And they need it now.
                                             fort. Neither of them has joined in this                voiced the need to update the CRA regula-
                                             effort.                                                 tions now for more than a decade.
                                                                                                                                                              I urge my colleagues to join me in
                                               That is why I urge our colleagues to                                                                         voting against this resolution, to pre-
                                                                                                       What does the final rule do? The final               serve this important modernization of
                                             do the right thing and repeal this                      rule establishes objective criteria for
                                             harmful new CRA rule.                                                                                          our CRA regulations.
                                                                                                     determining and an illustrative list of
                                               In a year where the entrenched racial                                                                          Thank you.
                                                                                                     what qualifies for CRA credit, while
                                             and economic disparities that have                                                                               Mr. President, I ask unanimous con-
                                                                                                     also creating a preapproval process for
                                             long plagued our Nation have been ex-                                                                          sent that the vote scheduled for 5:45
                                                                                                     banks. It updates and expands assess-
                                             acerbated and on full display, the last                                                                        p.m. begin immediately.
                                                                                                     ment areas to better reflect how banks
                                             thing we need to do is to steer money                                                                            The PRESIDING OFFICER. Is there
                                                                                                     serve customers today by adding de-
                                             away from Black and Brown families,                                                                            objection?
                                                                                                     posit-based assessment areas. It also
                                             homeowners, consumers, and busi-                                                                                 Without objection, it is so ordered.
                                                                                                     incentivizes CRA activity in new areas
                                             nesses. As a matter of fact, in the                                                                              The clerk will call the roll.
                                                                                                     of need, including Indian Country and
                                             midst of this pandemic, we can see the                                                                           The senior assistant legislative clerk
                                                                                                     rural and distressed areas. The final
                                             consequences to those communities                                                                              called the roll.
                                                                                                     rule establishes new general perform-
                                             that are often at the frontline of mort-                                                                         Mr. THUNE. The following Senators
                                                                                                     ance standards to more objectively
                                             gage foreclosure and losing their                                                                              are necessarily absent: the Senator
                                                                                                     evaluate a bank’s CRA performance.
                                             homes.                                                                                                         from Arizona (Ms. MCSALLY), the Sen-
                                               I urge my colleagues to join me in re-                Finally, the rule requires banks to re-
                                                                                                     port better data to improve the trans-                 ator from Alaska (Ms. MURKOWSKI), the
                                             jecting this new CRA rule. This is                                                                             Senator from Kentucky (Mr. PAUL),
                                             about protecting civil rights. This is                  parency and accountability of banks
                                                                                                     and their regulators to their commu-                   and the Senator from Florida (Mr.
                                             about protecting economic opportunity                                                                          RUBIO).
                                             for all. And this is about continuing to                nities.
                                                                                                       Importantly, the rule does not                         Mr. DURBIN. I announce that the
                                             do the hard work of reversing the dis-                                                                         Senator from California (Ms. HARRIS),
                                             crimination, the financial disparities,                 change the OCC’s authority or obliga-
                                                                                                     tion to fight discrimination and illegal               the Senator from Alabama (Mr. JONES),
                                             and the socioeconomic injustices that                                                                          the Senator from Virginia (Mr. KAINE),
                                             have plagued our Nation for far too                     practices.
                                                                                                       Several organizations have praised                   the Senator from Washington (Mrs.
                                             long.                                                                                                          MURRAY), and the Senator from Ari-
                                               With that, I yield the floor.                         the final rule, including the Consumer
                                               The PRESIDING OFFICER. The Sen-                       Bankers Association, the National Dis-                 zona (Ms. SINEMA) are necessarily ab-
                                             ator from Idaho is recognized.                          ability Institute, the National Con-                   sent.
                                               Mr. CRAPO. Mr. President, I rise to                   gress of American Indians, and the Na-                   The PRESIDING OFFICER. Are there
                                             oppose the resolution vacating the                      tional Diversity Coalition.                            any other Senators in the Chamber de-
                                             OCC’s final rule on the Community Re-                     FDIC Chairman McWilliams noted:                      siring to vote?
                                             investment Act, or CRA.                                 ‘‘There are many provisions in the                       The result was announced—yeas 43,
                                               Acting Comptroller of the Currency                    final rule that will greatly benefit low-              nays 48, as follows:
                                             Brian Brooks has noted: ‘‘The new                       and moderate-income communities,                                 [Rollcall Vote No. 201 Leg.]
                                             Community Reinvestment Act rule was                     and provide greater clarity to banks on                                   YEAS—43




ctelli on DSK11ZRN23PROD with SENATE
                                             finalized for one reason—to promote                     CRA expectations.’’                                    Baldwin           Carper         Feinstein
                                             more lending and investment in under-                     Last month, the Federal Reserve                      Bennet            Casey          Gillibrand
                                             served areas—including low- and mod-                    issued its own advance notice of pro-                  Blumenthal        Collins        Hassan
                                                                                                     posed rulemaking, and Acting Comp-                     Booker            Coons          Heinrich
                                             erate-income neighborhoods.’’                                                                                  Brown             Cortez Masto   Hirono
                                               The key changes the rule makes are                    troller Brooks observed that ‘‘there is                Cantwell          Duckworth      King
                                             these: It clarifies what counts for CRA                 a significant amount of overlap be-                    Cardin            Durbin         Klobuchar




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                                             S6058                                             CONGRESSIONAL RECORD — SENATE                                                     October 19, 2020
                                             Leahy             Rosen              Udall                Mr. SCHUMER. I ask for the yeas                       Ruthven, a beloved son of Ohio who
                                             Manchin           Sanders            Van Hollen
                                             Markey            Schatz
                                                                                                     and nays.                                               passed away last week at the age of 95.
                                                                                  Warner
                                             Menendez          Schumer            Warren
                                                                                                       Mr. BOOZMAN. Is there a sufficient                      John Ruthven was a nationally rec-
                                             Merkley           Shaheen            Whitehouse         second?                                                 ognized wildlife artist and a naturalist
                                             Murphy            Smith              Wyden                There appears to be a sufficient sec-                 whose extraordinary artistic skills
                                             Peters            Stabenow
                                             Reed              Tester
                                                                                                     ond.                                                    earned him numerous awards and other
                                                                                                       The clerk will call the roll.                         recognitions. But it was John’s integ-
                                                                 NAYS—48                               The bill clerk proceeded to call the                  rity, his humility, his generosity, and
                                             Alexander         Ernst              Perdue             roll.                                                   personal warmth that led to so many
                                             Barrasso          Fischer            Portman              Mr. THUNE. The following Senators
                                             Blackburn         Gardner            Risch
                                                                                                                                                             admirers.
                                             Blunt             Graham             Roberts            are necessarily absent: the Senator                       John never met a stranger, and even
                                             Boozman           Grassley           Romney             from Missouri (Mr. BLUNT), the Senator                  in these strident times, John never had
                                             Braun             Hawley             Rounds             from Arizona (Ms. MCSALLY), the Sen-                    an enemy. He was an eternal optimist
                                             Burr              Hoeven             Sasse
                                             Capito            Hyde-Smith         Scott (FL)
                                                                                                     ator from Alaska (Ms. MURKOWSKI), the                   who looked for the best in people and
                                             Cassidy           Inhofe             Scott (SC)         Senator from Kentucky (Mr. PAUL),                       in doing so, brought out the best in ev-
                                             Cornyn            Johnson            Shelby             and the Senator from Florida (Mr.                       eryone.
                                             Cotton            Kennedy            Sullivan           RUBIO).                                                   John was a true son of Ohio who grew
                                             Cramer            Lankford           Thune
                                             Crapo             Lee                Tillis
                                                                                                       Mr. DURBIN. I announce that the                       up in Cincinnati and, as a boy, was
                                             Cruz              Loeffler           Toomey             Senator from California (Ms. HARRIS),                   often found fishing and hunting and
                                             Daines            McConnell          Wicker             the Senator from Alabama (Mr. JONES),                   sketching along the Ohio River. He was
                                             Enzi              Moran              Young              the Senator from Virginia (Mr. KAINE),                  a lifelong patriot who was very proud
                                                              NOT VOTING—9                           the Senator from Washington (Mrs.                       of his country and proud of having
                                             Harris            McSally            Paul               MURRAY), and the Senator from Ari-                      served his country as an 18-year-old
                                             Jones             Murkowski          Rubio              zona (Ms. SINEMA) are necessarily ab-                   sailor during World War II. He was gen-
                                             Kaine             Murray             Sinema                                                                     erous of spirit and generous in giving
                                                                                                     sent.
                                              The motion was rejected.                                 The PRESIDING OFFICER (Mr. SUL-                       back to his community, contributing
                                              The PRESIDING OFFICER.                           The   LIVAN). Are there any other Senators in                 his time and artwork to literally hun-
                                             Democratic leader.                                      the Chamber desiring to vote?                           dreds of good causes.
                                                             MOTION TO ADJOURN                         The result was announced—yeas 48,                       John loved his family—his kids,
                                               Mr. SCHUMER. Mr. President, our                       nays 42, as follows:                                    Ricki and Kevin; his grandsons, Adam
                                             Republican majority refused to con-                                 [Rollcall Vote No. 202 Leg.]                and Matt; and his great-grandsons, Wil-
                                             sider the Supreme Court nominee of                                           YEAS—48                            liam, Jack, and Michael. He lost the
                                             the duly elected Democratic President                   Alexander          Ernst                Perdue          love of his life, Judy, just under a dec-
                                             on the supposed principle that the                      Barrasso           Fischer              Portman         ade ago. They were inseparable, and
                                             American people should have a voice in                  Blackburn          Gardner              Risch           they are now together.
                                                                                                     Boozman            Graham               Roberts           My wife Jane and I feel John’s pres-
                                             selecting their next Supreme Court                      Braun              Grassley             Romney
                                             Justice. Now they are moving forward                    Burr               Hawley               Rounds          ence every day through his artwork
                                             with a Supreme Court nomination                         Capito             Hoeven               Sasse           that hangs on our walls at home and at
                                             while the Presidential election is al-                  Cassidy            Hyde-Smith           Scott (FL)      work. Here in my Washington, DC, of-
                                                                                                     Collins            Inhofe               Scott (SC)
                                             ready under way.                                        Cornyn             Johnson              Shelby
                                                                                                                                                             fice, we displayed his painting ‘‘Eagle
                                               This is the most rushed, most par-                    Cotton             Kennedy              Sullivan        to the Moon,’’ for the past decade, a
                                             tisan, least legitimate Supreme Court                   Cramer             Lankford             Thune           masterpiece of natural painting signed
                                             nomination process in our Nation’s his-                 Crapo              Lee                  Tillis          not just by John but also John’s good
                                                                                                     Cruz               Loeffler             Toomey
                                             tory—in our Nation’s entire history—                    Daines             McConnell            Wicker
                                                                                                                                                             friend, the famous astronaut Neil Arm-
                                             and it should not proceed. Therefore, I                 Enzi               Moran                Young           strong.
                                             will move to adjourn the Senate until                                                                             Each Ruthven painting has its own
                                                                                                                          NAYS—42
                                             after the November 3 election with the                                                                          story, and ‘‘Eagle to the Moon’’ is no
                                                                                                     Baldwin            Gillibrand           Rosen
                                             ability to come back into session if                    Bennet             Hassan               Sanders
                                                                                                                                                             exception.     Ohio   Governor     James
                                             there is a bipartisan agreement on a                    Blumenthal         Heinrich             Schatz          Rhodes had commissioned John to
                                             COVID relief package.                                   Booker             Hirono               Schumer         paint an eagle on the Moon in honor of
                                               Therefore, I move to adjourn and                      Brown              King                 Shaheen         the Apollo 11 mission and Neil Arm-
                                                                                                     Cantwell           Klobuchar            Smith
                                             then convene for pro forma sessions                     Cardin             Leahy                Stabenow        strong’s famous words, ‘‘The eagle has
                                             only, with no business being conducted,                 Carper             Manchin              Tester          landed.’’ John told the Governor there
                                             at 12 noon on the following dates, and                  Casey              Markey               Udall           were no eagles on the Moon, and as a
                                             that, following each pro forma session,                 Coons              Menendez             Van Hollen      naturalist painter, he refused to place
                                                                                                     Cortez Masto       Merkley              Warner
                                             the Senate adjourn until the next pro                   Duckworth          Murphy               Warren          one there. Governor Rhodes insisted, so
                                             forma session: Tuesday, October 20;                     Durbin             Peters               Whitehouse      John—always a peacemaker—found a
                                             Friday, October 23; Tuesday, October                    Feinstein          Reed                 Wyden           compromise. He painted a majestic
                                             27; Friday, October 30; Tuesday, No-                                     NOT VOTING—10                          bald eagle flying past an Ohio buckeye
                                             vember 3; Friday, November 6; that                      Blunt              McSally              Rubio           tree—tying the eagle, therefore, to the
                                             when the Senate adjourns on Friday,                     Harris             Murkowski            Sinema          Earth and to Ohio—and put a glowing
                                             November 6, it reconvene at 4:30 p.m.,                  Jones              Murray                               Moon in the background to please Gov-
                                                                                                     Kaine              Paul
                                             Monday, November 9, and that fol-                                                                               ernor Rhodes. The Governor could not
                                             lowing the prayer and pledge, the                         The PRESIDING OFFICER. The mo-                        say no to such a beautiful portrayal,
                                             morning hour be deemed expired, the                     tion to table was agreed to, and the de-                and it is beautiful.
                                             Journal of proceedings be approved to                   cision of the Chair stands.                               His paintings are displayed in the
                                             date, the time for the two leaders be                     The Senator from Ohio.                                statehouse in Columbus and in thou-
                                             reserved for their use later in the day,                  Mr. PORTMAN. Mr. President, I am                      sands of offices and living rooms all
                                             and morning business be closed.                         glad we just voted down the motion by                   across Ohio and beyond. You will see
                                               The PRESIDING OFFICER. That mo-                       the Democratic leader to adjourn be-                    his work when strolling through my
                                             tion would require consent and is not                   cause we have work to do here, includ-                  hometown of Cincinnati, where the side
                                             in order.                                               ing the COVID–19 legislation that we                    of a downtown building displays a
                                                              MOTION TO TABLE                        need to be here to be working on. So I                  three-story high mural dedicated to




ctelli on DSK11ZRN23PROD with SENATE
                                               Mr. SCHUMER. I appeal the ruling of                   am glad the motion to table was suc-                    Martha, the last passenger pigeon who
                                             the Chair, and I move to table the ap-                  cessful. And, yes, we also have to fill a               died at the Cincinnati Zoo. At age 88,
                                             peal.                                                   vacancy on the Supreme Court.                           high on a rickety scaffolding in the Au-
                                               The PRESIDING OFFICER. The                                        TRIBUTE TO JOHN RUTHVEN                     gust heat, John Ruthven led the volun-
                                             question is on the motion to table the                    Mr. President, I have come to the                     teers in creating that rendition of pas-
                                             appeal.                                                 floor today to pay tribute to John                      senger pigeons, taking it from one of



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                                             October 19, 2020                                  CONGRESSIONAL RECORD — SENATE                                                                    S6059
                                             his paintings. Those passenger pigeons,                   RESERVATION OF LEADER TIME                                  UNITED STATES SENATE CHAMBER AND
                                             once numerous and now extinct, are                                                                                         GALLERIES REGULATIONS
                                                                                                       The PRESIDING OFFICER. Under
                                             soaring through the air in a thick                                                                             ADOPTED BY THE COMMITTEE ON RULES AND AD-
                                                                                                     the previous order, the leadership time                  MINISTRATION ON OCTOBER 7, 2020, PURSUANT
                                             flock, warning us all of the fragility of               is reserved.                                             TO RULE XXXIII OF THE STANDING RULES OF
                                             nature.
                                                                                                                                                              THE SENATE
                                                I will always feel John’s presence                                     f
                                                                                                                                                              1.0 Scope—These regulations are applica-
                                             personally when I am in the woods of                                                                           ble only to the Senate Chamber and Gal-
                                                                                                          CONCLUSION OF MORNING
                                             Southern Ohio, where I had the privi-                                                                          leries.
                                                                                                                    BUSINESS
                                             lege of spending many hours with him                                                                             2.0 Definitions—For purposes of these reg-
                                             hunting for edible wild mushrooms,                        The PRESIDING OFFICER. Morning                       ulations, the following terms have the mean-
                                             hunting turkeys, and learning from an                   business is closed.                                    ing specified.
                                             accomplished naturalist who had sto-                                                                             2.1 Cloakroom means the two spaces, one
                                                                                                                       f                                    assigned to the majority party and one as-
                                             ries about every single tree, flower, and
                                                                                                                                                            signed to the minority party, adjacent to the
                                             bird. It was a joy to learn from John. It                          EXECUTIVE SESSION                           Senate Chamber.
                                             wasn’t a lecture; like every good teach-                                                                         2.2 Galleries means the ten seating gal-
                                             er, John drew you in.                                                                                          leries located in the Senate Chamber.
                                                John was called a modern-day James                          EXECUTIVE CALENDAR                                2.3 Marble Room means the Senators
                                             Audubon, and there were striking simi-                                                                         meeting room adjacent to the Senate Lobby.
                                                                                                       The PRESIDING OFFICER. Under                           2.4 Senate Chamber means the space that
                                             larities between the two. Both were
                                                                                                     the previous order, the Senate will pro-               encompasses the Senate Floor and Galleries.
                                             naturalists, good hunters, artists, and                                                                          2.5 Senate Floor means the floor of the
                                                                                                     ceed to executive session to resume
                                             authors whose work was influential in                                                                          Senate Chamber.
                                                                                                     consideration of the following nomina-
                                             teaching us about the natural world.                                                                             2.6 Senate Lobby means the hallway
                                                                                                     tion, which the clerk will report.
                                             Like Audubon, John was rightly recog-                                                                          space adjoining the Senate Chamber to the
                                                                                                       The bill clerk read the nomination of                Marble Room.
                                             nized as one of the most important am-
                                                                                                     Michael Jay Newman, of Ohio, to be                       2.7 Sergeant at Arms means the Sergeant
                                             bassadors for nature of his time.
                                                                                                     United States District Judge for the                   at Arms of the Senate.
                                                Starting with his delivery of a hum-                                                                          3.0 Sergeant at Arms Chamber and Gal-
                                                                                                     Southern District of Ohio.
                                             mingbird to the Cincinnati Museum of                                                                           leries Duties—The Sergeant at Arms of the
                                                                                                       The PRESIDING OFFICER. The Sen-
                                             Natural History at age 10, his name is                                                                         Senate, under the direction of the Presiding
                                                                                                     ator from Ohio.
                                             on specimens he collected around the                                                                           Officer, shall be the Executive Officer of the
                                             world and donated to museums. Four                                        f                                    body for the enforcement of all rules made
                                             Presidents commissioned painters from                                                                          by the Committee on Rules and Administra-
                                             John Ruthven, and his artwork is hung                             LEGISLATIVE SESSION                          tion for the regulation of the Senate Cham-
                                                                                                                                                            ber and Galleries.
                                             in the galleries of the Smithsonian and                                                                          3.1 The Senate Floor shall be at all times
                                             right here in the Halls of Congress.                                                                           under the Sergeant at Arms’ immediate su-
                                                Early in his career, John had the                             MORNING BUSINESS                              pervision, and the Sergeant at Arms shall
                                             great honor of being selected as the                      Mr. PORTMAN. Mr. President, I ask                    see that the various subordinate officers of
                                             artist for the annual Federal duck                      unanimous consent that the Senate                      the Office of the Sergeant at Arms perform
                                             stamp. He has been featured in many                     proceed to legislative session for a pe-               the duties to which they are especially as-
                                             major magazines and documentaries.                                                                             signed.
                                                                                                     riod of morning business, with Sen-                      3.2 The Sergeant at Arms shall see that
                                             He received numerous awards and hon-                    ators permitted to speak therein for up                the messengers assigned to the doors upon
                                             ors, including from some of his favorite                to 10 minutes each.                                    the Senate Floor are at their posts and that
                                             organizations like the Cincinnati Zoo,                    The PRESIDING OFFICER. Without                       the Senate Floor, Cloakrooms, and Senate
                                             the Cincinnati Nature Center, the Mu-                   objection, it is so ordered.                           Lobby are cleared at least five minutes be-
                                             seum Center, and so many others.                                                                               fore the opening of daily sessions of all per-
                                                                                                                       f                                    sons not entitled to remain there.
                                                One accolade John was most proud of
                                                                                                                                                              3.3 In the absence of the Sergeant at
                                             was when he and his wife Judy were in-                    NOTICE OF INTENT TO SUSPEND                          Arms the duties of the office, so far as they
                                             ducted into the Brown County Hall of                                  THE RULES                                pertain to the enforcement of the rules, shall
                                             Fame. Judy and John had a beautiful                                                                            devolve upon the Deputy Sergeant at Arms.
                                             farm and an art gallery in Brown Coun-                    Mr. SCHUMER. Mr. President, I sub-                     4.0 Messengers Acting as Assistant Door-
                                             ty, 50 miles east of Cincinnati. They                   mit the following notice in writing:                   keepers—The messengers acting as Assistant
                                             developed lifelong friendships there                      In accordance with Rule V of the                     Doorkeepers shall be assigned to their duties
                                             and dedicated time and energy to their                  Standing Rules of the Senate, I hereby                 by the Sergeant at Arms.
                                                                                                     give notice in writing that it is my in-                 5.0 Assignment of Majority and Minority
                                             adopted home, leading to the restora-
                                                                                                     tention to move to suspend rule XIV,                   Secretaries—The secretary for the majority
                                             tion of the historic courthouse in                                                                             and the secretary for the minority shall be
                                             Georgetown, OH, and preserving and                      Paragraphs 1, 2, and 3, for the purpose
                                                                                                                                                            assigned, during the daily sessions of the
                                             promoting the boyhood home of Ulys-                     of proposing and considering S. 4800,
                                                                                                                                                            Senate, to duty upon the Senate Floor.
                                             ses S. Grant, one of John’s heroes.                     the Heroes Act, including same day                       6.0 Use of the Senate Chamber—When the
                                                In 2004, I was with John and Presi-                  consideration.                                         Senate is not sitting in session or otherwise
                                                                                                                                                            using the Chamber for some function of the
                                             dent George W. Bush at the White                                          f
                                                                                                                                                            Senate, no Senator shall seat any person or
                                             House when he became the first wild-
                                                                                                          U.S. SENATE CHAMBER AND                           persons in chairs of Senators other than the
                                             life artist ever to receive the National                                                                       chair assigned, no other persons shall seat
                                             Medal of the Arts, the highest honor                          GALLERIES REGULATIONS                            anyone in a chair of a Senator; and lectures,
                                             that can be bestowed upon an artist.                      Mr. BLUNT. Mr. President, in ac-                     talks, or speeches shall not be given at such
                                                Until his death, John continued to                   cordance with rule 23 of the Rules of                  times to groups on the Senate Floor by Sen-
                                             paint every day at his home studio. He                  Procedure of the Committee on Rules                    ators or others except for the purpose of ex-
                                             still had a number of commissions he                    and Administration and pursuant to                     plaining the Chamber.
                                                                                                                                                              7.0 Use of the Marble Room—No persons
                                             was working on. For countless young                     Senate Rule XXXIII, on October 7, 2020,                shall be admitted to the Marble Room except
                                             artists and lovers of nature, he was and                the Committee on Rules and Adminis-                    Senators.
                                             will continue to be a true inspiration.                 tration adopted the ‘‘United States                      8.0 Use of the Cloakrooms—No persons
                                                As we mourn our loss, we take heart                  Senate Chamber and Galleries Regula-                   shall be admitted to the Cloakrooms except
                                             in knowing that we will all continue to                 tions,’’ which supersede and replace the               those entitled to the privileges of the Senate




ctelli on DSK11ZRN23PROD with SENATE
                                             feel his presence, that John Ruthven                    current ‘‘Rules for Regulation of the                  Floor under the Rule XXIII of the Standing
                                             will live on through his masterful art-                 Senate Wing of the United States Cap-                  Rules of the Senate.
                                                                                                                                                              9.0 Use of the Senate Lobby—No persons
                                             work, his loving family, and all he did                 itol and Senate Office Buildings.’’                    shall be admitted to the Senate Lobby ex-
                                             to advance the cause of appreciating                      There being no objection, the mate-                  cept those entitled to the privileges of the
                                             and protecting the natural world.                       rial was ordered to be printed in the                  Senate Floor under the Rule XXIII of the
                                                I yield the floor.                                   RECORD, as follows:                                    Standing Rules of the Senate.




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